davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-04-09
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 formally dispute the inaccurate and incomplete credit information that you have reported on my credit profile. It is distressing to find the following information included in my credit report, especially when it fails to meet the standards of accuracy mandated by credit reporting laws. 

The following items are reported inaccurately : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Note : This account was paid and never late. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Note : Please remove XXXX. 

Inquiry from XXXX XXXX XXXX, XXXX XXXX, SD XXXX Date : XX/XX/XXXX Note : Please remove this inquiry. 

I respectfully request proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Without such documentation, I insist that the item be promptly deleted from my credit report. This information is not only inaccurate and incomplete, but also seriously misrepresents my credit history. 

Furthermore, I request that you supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 

Additionally, I require the name, address, and telephone number of each credit grantor or other subscriber associated with the disputed items. 

Under federal law, I understand that I have thirty ( 30 ) days to complete your reinvestigation. I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of your reinvestigation.
Consumer complaint received 2022-10-29
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)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

I received a notification that two new collections have been reported on my credit report by I.C. System, IncXXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone number XXXX. To date, I have not had any phone, email, or mail communication from this company. I do not know what the reported debt is, am unable to verify it, and my credit is being hurt as a result of these new collection accounts.
Consumer complaint received 2023-05-24
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. (FL)

There are a lot of inquiries on my Credit Reports that should not be. I called the dealership and was told that I needed to contact the credit bureaus. I called XXXX and was informed to file a police report. I am not claiming that my identity was stolen I am stating that the dealership was only given permission to run my credit through one creditor and that is not even on the report. I see certain ones on there multiple times a day apart as if they were continuously attempting to run my credit. The following needs to be deleted from my reports. 

XXXX : XXXX XXXX ( is on there 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-11
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)

the information that's reporting on my credit report is incorrect and fraudulent and i need it removed from my credit report immediately and permanently. 




XXXX XXXX XXXX XXXXXXXX Account Number Account Type Collection Terms 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount {$87.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History XX/XX/2018XXXX XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$1100.00} Comments - Payment History DISPUTE XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (NY)

I received a letter from American Express that my application for Hilton Honors American express card needs more info to complete the application. I Have never for such a card although I do have and use an American Express credit card.
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

This is my second time making a complaint against NationStar Mortgage. They became my servicer in XXXX XXXX ( it is now XXXX XXXX ) and immediately accused me of being late a payment. Not true, I contacted them about this and thought it was cleared up in XXXX XXXX. It actually was not cleared up so I provided them with the factual evidence showing I I was not late, but actually early with my payments. ( this evidence submitted several times to several different people ) They ignored factual, legal documents and continued to claim I was late. I decided to dig into my paperwork deeper to make sure I was correct, which I verified. I found a payment that had been made and deposited by the servicer but not applied to my account. I provided the actual evidence of this to NationStar. I thought that once this was shown to them that they would repair the damage, concede that I am correct, and we would be finished with this. However, that is not what happened. Instead, their response was that their accounting was correct and I am late. Even after providing them with proof that I am early, they are ignoring the factual history I guess so they can commit fraud by stealing a payment, stealing additional money in the form of late fees. By having the authority to file liens, foreclosure, etc ... they are attempting to blackmail and extort from me extra money. Additionally, my credit is unfairly damaged by their unwillingness to correct my account, so I am trapped in their company, as getting refinanced with my current credit rating is not an option. 
I understand this is just a reporting database, and that there is no action by this government agency that will stop NationStar from their illegal collection practices, which I imagine are commonplace in their daily activities ( not just me ). So what I can do is to let anyone who sees this complaint know that they should RUN AWAY from NationStar! Do not believe them! Their customer service is a complete fabrication, meant to convince potential customers that they are a responsible, above board company. Their research department is a fabrication. Faced with the choice between doing the right thing or doing the profitable thing, they will choose the profitable thing, even if it is illegal/unethical. This I can certainly prove. For me, I had no choice - my loan was purchased by NationStar. If you have a loan that has been purchased by NationStar, and you are able to refinance with another company, I urge you to do so! If they ever have an excuse to charge you additional fees or make false claims against you, legal or illegal, they will very likely hook you too. NationStar has shown me that, with no regard to ethical or legal behavior, they are committed to wringing as much money from their customers, legal or illegally, as they can. I am stuck with this horrible company, but you do not have to be. Benefit from my experience and stay away from NationStar!
Consumer complaint received 2017-10-26
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. (GA)

I was a victim of identity theft and notified bureau and also send documentation to XXXX creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past XXXX mths
Consumer complaint received 2023-03-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (IN)

I took out a loan of XXXX $ from Mobilaons XX/XX/2022, i paid payments for 6 months and brought my amount down to XXXX $ and i thought i was done. The company is still charging me from my bank account and there is not a way to cancel. theyre suddenly charging me 400 % interest which is illegal in the United States XXXX
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rent Recovery Solutions (CA)

Dear cfpb, I am writing to inform you that the debt collection practices in which rent recovery solutions has practiced are in violation of several laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California state laws. 

Firstly, this agency has engaged in false representation by misrepresenting the amount of debt I owe, threatening to take legal action that you can not legally take, and using deceptive tactics to intimidate and coerce me into paying. This is a clear violation of the FDCPA, which prohibits debt collectors from making false or misleading statements in an attempt to collect a debt. 

Secondly, this agency has threatened to sue me in a non-home state, which is also a violation of the FDCPA. The law prohibits debt collectors from threatening legal action that they can not legally take, and from initiating legal proceedings in a jurisdiction that is inconvenient for the consumer. 

Finally, this agency has violated California state law restrictions on debt buying and selling. The law requires debt buyers to be licensed by the state and places restrictions on the types of debts that can be bought and sold. It appears that your agency has purchased my debt in violation of these regulations. 

I demand that you immediately cease all collection efforts and remove any negative information from my credit report. Failure to comply with these demands will result in legal action being taken against your agency. 

Please be advised that I am aware of my rights under the FDCPA and California state law, and I will not hesitate to take legal action if necessary to protect those rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Contacted " XXXX '' for the purchase of a puppy golden retriever " XXXX ''. The charge was {$550.00} and there were text messages back and forth, transferred money via XXXX, and " XXXX '' disappeared the website went down. I filed a police report in XXXX XXXX County, and went to Wells Fargo with said police report, they said they could not help. Went to XXXX XXXX XXXX and they too said they could not help. I lost {$550.00} and no one is able to help with this fraud.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

RE : Chase Bank N.A. 

Worst experience ever! After banking with this bank for decades, this is how they choose to treat their loyal customers? I disputed these charges as soon as I discovered them on my transaction history. For some reason, the representative in their claim 's department bundled/backdated the recent transactions with a transaction dated XX/XX/XXXX. Remember this date! They issued a temporary credit on the XX/XX/XXXX transactions, only to reverse them due to these transactions being past their 60-day-rule-to-report BASED on the XX/XX/XXXX date! Why on earth would they bundle these XX/XX/XXXX transactions with that one dated XX/XX/XXXX and NEVER disclosing this to me, is beyond comprehension. Make that make sense! They stated that they are only liable for anything within 60 days of the " first '' transaction. They having bundled the XX/XX/XXXX transactions with the one dated XX/XX/XXXX, changes the XX/XX/XXXX transactions first date to report to XX/XX/XXXX! Are you kidding me?! So I was supposed to report these XX/XX/XXXX transactions no later than XX/XX/XXXX, YET they didn't occur until XX/XX/XXXX?! Again, make that make sense! They denied the transactions in XX/XX/XXXX, which are ABSOLUTELY WITHOUT QUESTION WELL WITHIN the 60 days! Yes, WELL WITHIN THE 60-DAYS!!! Unless I am clairvoyant, which I am not, I would not have known my account would be hacked XXXX months down the line with much larger amounts. Nor would I have waited 6 months to report transactions in XX/XX/XXXX. Their representative 's and management 's reasoning doesn't make sense. Not to mention they ALL refused and failed to give me a copy of their XXXX XXXX XXXX. Including the branch I walked into located in XXXXXXXX XXXX  off of XXXX XXXX when I sat with XXXX. This has caused a tremendous amount of stress and has put my kids and myself in a predicament we never expected coming from Chase. I will also add that 4 representatives I spoke with agreed with me that the recent transactions should never have been bundled with those dated XX/XX/XXXX, but in the end they all stated, " There's nothing we can do. '' I beg to differ! Right is right, and this is outright WRONG on Chase 's part! Chase, please do the right thing and make this right. Do right by your loyal customers and grant these reasonably reported disputes promptly. Thank you. 

P.S. I have no business with XXXX or XXXX XXXX. I have been insured with XXXX XXXX for years. I provided supporting documents from my actual carrier to Chase.com, as well as to XXXX at the XXXX XXXX, XXXX XXXX  branch. So, not only did I provide proof that I have a completely different carrier, but again, I am well within the 60 days!!! Do the right thing, Chase! 

XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX {$45.00} XX/XX/XXXX XXXX  {$1100.00} XX/XX/XXXX XXXX  {$220.00} XX/XX/XXXX XXXX  {$52.00}
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (MA)

United Wholesale Mortgage reported my account late in XXXX of XXXX but my late payment was waived on XX/XX/XXXX therefore a late credit report shouldnt be on my credit file. Its false and inaccurate and was never paid late.
Consumer complaint received 2023-03-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gurstel Law Firm, P.C. (CA)

I have responded to them numerous times and now they are threaten me to take me to court. I do not recognize the debt. Nothing in the papers they sent me reflects my signature. They have requested personal information I do not feel approiate to send them for something I do not know about. 

Im un a limited income and only receive Social Security. The file # is XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I'm experiencing distress, dissatisfaction, and XXXX due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (TX)

I have attempted to have them verify this debt due which they have not and have threatened me verbally that if I do not pay this debt they will sue me. I have asked for validation of debt and they have not responded with proper documentation. They have also said to pay debt in full but they will not remove debt which is a violation Under 15 US Code 1681b.
Consumer complaint received 2022-11-30
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. (OH)

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX and deposited XXXX into my checking account. That same day I raised my spending limit to call and pay bills from the money in the checking account. I called XXXX XXXX on XX/XX/XXXX which XXXX XXXX decided to not process the day I told them to and attempted to Charge on XX/XX/XXXX days later then what I requested. the money was still available but at the time I didn't have a limit increase so that the large payment couldn't process. The branch manager wrote a letter and also attached the policy for spending limits. I tried reaching out to XXXX XXXX several times they won't help me with this matter. They did admit not charging my card and waiting XXXX days and also that were not willing to work with me on settling this matter
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (VA)

On XX/XX/XXXX I purchased a set of treatments from XXXX away, they offered a 0 % interest loan through their servicer, XXXX. The loan was for {$4000.00}, the terms of the loan were under a promotion : 24 Months " Same as Cash '' with a promotion end date of XX/XX/XXXX. Per my notice : " Under the terms of your promotional offer, you will pay no interest on your loan if you exercise the option to pay the remaining amount by the promotion end date XX/XX/XXXX ''. 

On XX/XX/XXXX, I received an email notification from XXXX that effective XX/XX/XXXX, servicing of your XXXX account will be transferred from XXXX to Monterey Financial Services, LLC. On XX/XX/XXXX XXXX closed the account and all payment history records and I was unable to log in to the account. 

I made payments totaling {$2100.00} my remaining balance was {$1900.00} as of XX/XX/XXXX. Monterey Financial Services did not have the correct pay off amount and over 8 weeks of correspondence with me, they finally agreed to the corrected payment amount after I sent copies of my bank statements. 

Now, Monterey Financial Services is stating that the original loan with XXXX was accruing interest and my balance is inclusive of this interest, and additional {$600.00}. That was not the terms of my loan nor in the notice of the transfer of service : " This transfer of the servicing does not affect any of the terms or conditions of your contract other than terms directly related to the servicing of your loan. '' I have tried to resolve this issue with XXXX for almost 2 months, and it not right that they are doing this to me or other consumers who did not consent to transferring of loan with only 7 business days for the change.