davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

EXPERIAN is obligated under the FCRA to ensure the accuracy of the information reported on my credit file, yet they have failed in this respect. They have inaccurately reported a late payment associated with my XX/XX/XXXXXXXX account ending in XXXX, which is a clear deviation from the truth. The record indicates a 30-day late payment in XX/XX/2019, an assertion that is both incorrect and should be amended to reflect the status of PAID AS AGREED. 

Moreover, according to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report should not include information that pertains exclusively to transactions or experiences between the consumer and the reporting entity. The inclusion of these late payments is a direct violation of this provision, infringing upon my federally protected consumer rights.

I would also like to highlight that I never granted EXPERIAN explicit authorization to include these erroneous late payments in my consumer report, constituting a breach of 15 U.S.C 1681b ( a ) ( 2 ). It is evident that EXPERIANs actions are not only a violation of my rights under the FCRA but are also inflicting significant emotional distress and tarnishing my reputation, leading to discrimination.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have repeatedly asked for Mr. Cooper to provide to me the ORIGINAL NOTE that I signed. On XXXX XXXX, XXXX, they sent me an email! They later mailed a " COPY ''! This is ridiculous! A photocopy does not prove ANYTHING! IMMEDIATELY VALIDATE THIS DEBT or REFUND MY MONEY!
Consumer complaint received 2023-10-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (GA)

I received a email on XX/XX/XXXX from Westlake Portfolio Management about a car I got on XX/XX/XXXX, I asked Westlake if they had any of the orignal documents from Us Auto Sales also known as USASF and if they had the amount they sold the car for at auction but they said they didn't have either of the documents. I explained to them that I voluntarily repossession for the car and never recived anything from Us Auto Sales about how much they sold the car for. I was told to call them or go by there office but all of the Us Auto Sales are closed down so no one is in the offices at all and when you call the number to Us Auto Sales it redirects there number back to Westlake Portfolio Management. They were wanting me to get receipts on where I paid but because Us Auto isn't open anymore there website don't allow you to login to get them. The person at Westlake Portfolio Management was acting like they were wanting me to pay, because the lady said if I didn't pay they were going to put it on my credit, and I advised them that USASF had a law suite . Us Auto Sales never done what they were suppose to because when I and my Husband signed the paper work we were told that we would be paying a little more to have a warranty on my car. From day one we had issues and lots more after that, the shops they have you go to didnt even look like they are certified to be doing work on cars, and we had aproblem with the car where it was a hazard to be drove on the road and I advised Us Auto about this but they didn't want to send the info they were supose to in order for you to go to a shop to get it fixed. So due to me having medical issues my husband called the toll free number for Us Auto but it went to the company that was taking payments and my husband had to call them for over a week for some one to come and get the car because it wasn't doing us no good, and Us Auto never gave I or my husband a paper for us to sign because we voluntary gave the car back because from what I was told was they were closed already. The amount Westlake Portfolio Managementare saying I owe is {$14000.00} but would take {$2800.00}.
Consumer complaint received 2023-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute several hard inquiries ( 9 total ) that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my Transunion report immediately, in accordance with my rights uner the Fair Credit Reporting Act. See attached letters and info. 
XX/XX/XXXX( Bank ) XX/XX/XXXXXX/XX/XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX( Finance ) XX/XX/XXXX XXXX. XXXXXX/XX/XXXX XX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XX/XX/XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my serious concern and dissatisfaction regarding the handling of the multiple attempts to remove fraudulent items. It is essential to address this matter promptly and thoroughly to uphold the integrity and fairness of the process. 

Despite the repeated attempts made to remove fraudulent items, I am deeply disappointed with the outcome of the multiple attempts. The presence of these fraudulent items not only undermines the credibility of the process but also erodes trust and confidence in the integrity of the proceedings. 

It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. Open and honest communication is essential in rebuilding trust and confidence among all stakeholders. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

XXXX Account # : XXXX I have recently been informed that there is a negative claim on my consumer report reported by XXXX Account # : XXXX and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have {$200.00} XXXX with major inaccurate information and it is affecting my consumer report. This account is reporting inaccurate due to no reported monthly payment amount, the date open is inaccurate, the term duration is inaccurate, the high credit limit amount is inaccurate, the credit limit is inaccurate, the last reported date is inaccurate, and the last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I requested method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted from all 3 consumer reporting agencies report. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

Certified XXXX Mail Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Certified XXXX Mail Receipt # XXXX :
Consumer complaint received 2024-04-04
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. (CA)

Back in XXXX of XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And one more thing according to 15 USC 1681s-2 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. 

This account reported on XXXX : XXXXXXXX XXXX XXXX XXXX  Account XXXX {$17000.00} Date of OPEN in XX/XX/XXXX Date of Last Activity XX/XX/XXXX This account reported on TRANSUINION : XXXX XXXX XXXX XXXX XXXX {$17000.00} Date of OPEN XX/XX/XXXX Date Of Last Activity XX/XX/XXXX This is being reported inaccurately on with different dates and illegal renewing of the dates of this account. 

Inquiries I did not authorized have been pulled without my consent! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX This account was reported and disputed back in XX/XX/XXXX when the bureaus said is was accurate. 

This acount has been illegally reaged and not accurate in it's reporting. 
XXXX and TRANSUNION did not investigate to show accuracy and protect my rights as a consumer! 

I have attached the credit reports showing blatant fraud and violations of my consumer rights to privacy and fair and accurate reporting. 

Delete this account and inquiries, or I will sue for blatant fraud and blatant violations of my rights.
Consumer complaint received 2023-10-08
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)

There was a Credit Card opened with XXXX XXXX XXXX XXXX around XXXX of XXXX. I never opened such an account with them and never had any business with this sketchy company. I found out my Identity was stolen around XX/XX/XXXX when I was routinely checking my credit reports and found an account from XXXX XXXXXXXX that was closed 90 Days Past Due. The account number of the account is XXXX. I never opened this account and filed disputes with XXXXXXXX XXXX XXXX, Experian, XXXX, and XXXX for ID Theft. I also filed an ID Theft Report with the FCC. The file number is XXXX. I believe the ID Theft happened when I installed malware unknowingly around XX/XX/XXXX on my main computer. I request that this account be removed from my Credit Report effective immediately and for any adverse information to be removed. I also request any inquiries that resulted in this account to also be removed, if not done so already. I also request any of my personal information be removed from XXXX XXXX 's system and for any collection efforts to cease immediately. I have attached a copy of the ID Theft Report to this complaint for the company 's review.
Consumer complaint received 2023-10-08
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: EQUIFAX, INC. (PA)

There was a Credit Card opened with XXXX XXXX XXXX XXXX around XXXX of XXXX. I never opened such an account with them and never had any business with this sketchy company. I found out my Identity was stolen around XX/XX/XXXX when I was routinely checking my credit reports and found an account from XXXX XXXXXXXX that was closed 90 Days Past Due. The account number of the account is XXXX. I never opened this account and filed disputes with XXXXXXXX XXXX XXXX, XXXX, XXXX, and Equifax for ID Theft. I also filed an ID Theft Report with the FCC. The file number is XXXX. I believe the ID Theft happened when I installed malware unknowingly around XX/XX/XXXX on my main computer. I request that this account be removed from my Credit Report effective immediately and for any adverse information to be removed. I also request any inquiries that resulted in this account to also be removed, if not done so already. I also request any of my personal information be removed from XXXX XXXX 's system and for any collection efforts to cease immediately. I have attached a copy of the ID Theft Report to this complaint for the company 's review.
Consumer complaint received 2024-08-27
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. (TX)

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (PA)

Hi, On both dates XX/XX/XXXX and XX/XX/XXXX XXXX received an email from Chase saying Thanks for requesting a new credit card, also received an Hard inquiry on credit karma. This was NOT me requesting any credit cards. I immediately called Chase at XXXX reported the following and they " solve it '' on there end and closed the account and send me some mail with a reference number saying that they apparently solve it. On XX/XX/XXXX I called XXXX, XXXX and XXXX to make sure that they can solve anything and to take out the hard inquiries out of my credit. They all told me that they were going to put a freeze for 1 year of fraud alert. But now today XX/XX/XXXX I received a other notification from credit Karma notifying me of another hard inquiry from XXXX XXXX  which I DID NOT request. I will be calling XXXX XXXX on XX/XX/XXXX to make sure this is not an problem again because I did not request anything with them today. I just want to get to the bottom of this because its getting to out of control in a small amount of time.
Consumer complaint received 2023-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (NY)

I have no idea why I have this debt, think it came from a service I never got anything from and they took out a loan in my credit card, now they keep harassing me with phone calls and I want it to stop. Im not paying for something for a service I didnt receive. 
They call me with the same message These are dates theyve called me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is an attempt to collect a debt please do not erase this message until you call us at XXXX again that number is XXXX thank you
Consumer complaint received 2023-10-08
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. (IN)

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late for. 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 have never been late on payments for the account : Account : US DEPT ED : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I am filing more complaints against SPS because of the unfair treatment I received in setting up a repayment plan that I can not afford. The payment is too high, and it not based on my current income and expenses, they also ignored my serious health issues. 

I am very ill, and my mortgage crisis is really taken its toll on me, we don't seem to be getting anywhere. I am going to file another complaint because you don't seem to do anything positive about my mortgage and it really bothers me, I sincerely hope that we can work together even though I am very sick. My XXXX XXXX XXXX XXXX and what happens if I pass away. I need to know before an event happens. Please it's not a good idea to foreclosure when I am facing death.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

EQUIFAX is obligated under the FCRA to ensure the accuracy of the information reported on my credit file, yet they have failed in this respect. They have inaccurately reported a late payment associated with myXX/XX/XXXX account ending in XXXX, which is a clear deviation from the truth. The record indicates a 30-day late payment in XX/XX/2019, an assertion that is both incorrect and should be amended to reflect the status of PAID AS AGREED. 

Moreover, according to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report should not include information that pertains exclusively to transactions or experiences between the consumer and the reporting entity. The inclusion of these late payments is a direct violation of this provision, infringing upon my federally protected consumer rights. 

I would also like to highlight that I never granted EQUIFAX explicit authorization to include these erroneous late payments in my consumer report, constituting a breach of 15 U.S.C 1681b ( a ) ( 2 ). It is evident that EQUIFAX 's actions are not only a violation of my rights under the FCRA but are also inflicting significant emotional distress and tarnishing my reputation, leading to discrimination.
Consumer complaint received 2022-12-23
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-10-08
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. (NJ)

In according to the fair credit reporting act. XXXX account # XXXX has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-08
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. (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 XX/XX/XXXXXX/XX/XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXXXX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX : # XXXXXX/XX/XXXXXXXX : # XXXX XXXX XXXX : # XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I tried to log into my chase.com account and Im forced to agree to a 125 page document agreeing to very invasive privacy violations. Unless I agree to the document, I cant access my credit card account to make payments. 
This started for me beginning of XX/XX/2023 2023