davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CERTIFIED COLLECTORS, INC. (TX)

CERTIFIED COLLECTORS is reporting 8 collection account that doesnt belong to me nor have they showed proof that they are my account I have disputed all 8 of multiple times but not once have they gave me proof that they are my account they all belong to another family members with the same last name they are just doing and saying anything to get money out of me because they said all 8 account needs to be paid off before any of them will be removed And they are lie on the remark on the credit report because I havent agreed to pay nor settle any of the account because they dont belong to me they are another family members account and nor have I signed say I will or be responsible for payment plz remove
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (CA)

JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2022 Account type Debt Buyer This is identity theft I have no knowledge of this account, tried to dispute it but I got nowhere with that process, complained with ftc and now cfpb
Consumer complaint received 2023-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Home Point Financial Corporation (NC)

Home Point Financial Corporation is {$300.00} over the amount my mortgage should be. They estimated the taxes at over {$4000.00} a year instead of just over a XXXX dollar. The mortgage was issued in XXXX of XXXX. I've been trying to fix this issue since then. It is XX/XX/XXXX now. I have called them multiple times, even waited a whole year because they said they were collecting the extra money because they were anticipated for the taxes to go up. This was a lie, and they still refuse to fix this issue. 

Home Point Financial is collecting money from me that I am not sure what they are using for, are they making interest on this money, are they lending it to others. Either way, they are getting free money to do whatever they want with it. If they are taking my money and not paying interest on it, I am sure they are doing the same to others as well. I XXXX ' think this company should be allowed to treat their customer as they treated me. This is the last resort. I hope others can learn from this so they make other choices when selecting a mortgage company.
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. (FL)

Im giving experian 30 days before I file a claim of unfair and deceptive practices Against XXXX for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation XXXX will remove accounts removed non public accounts in three days of receipt of this notice If XXXX does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on experian taking you to arbitration Us department of education will be in Trouble as they never disclosed any opt out information giving me a chance to express not wanting my account to be reported on my consumer report Experian will remove accounts Two U.SXXXX DEPARTMENT OF EDUCATION Account number XXXX In the XXXX days. If experian does not refute this information in XXXX days the this notice will be accepted and enforced U.S. department education are just as guilty for not showing proof of debt validation and authorized signature for the loan
Consumer complaint received 2023-09-10
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. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am being violated by Transunion, XXXX XXXX XXXX credit bureaus under 18USC1514 ( d ) ( B ), 18USC873, 18USC4, 18USC241, 18USC242, 18USC247 ( a ) ( 2 ), 18USC912, 18USC1661, 18USC2325, 2326, 2327, 2328, & 42USC408!
Consumer complaint received 2023-09-10
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. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-09-10
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. (NV)

This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus
Consumer complaint received 2023-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (DC)

I have a debt collection letter from MRS BPO , LLC for {$110.00} for XXXX. 

1 ) I logged into XXXX and currently have a positive balance. 
2 ) I do not recognize this debt. 
3 ) I can not actually log-in to MRS BPO , LLC. I have tried the letter ID they gave me. I have tried last name, and last 4. Nothing has worked. 
4 ) The website references a page with a signature, I think I've only received the 2nd page of a correspondence. I believe this is a badly orchestrated scam. 
5 ) Just realized they also sent it to Washington, DE not Washington , DC.
Consumer complaint received 2023-09-10
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. (OH)

Dear Sir/Madam, I am writing to formally request the immediate deletion of inaccurate and unjustly reported information on my credit report related to my account with XXXX XXXX XXXX The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Revolving ( ChargeAccount for Jewelry and Camera ) Date Opened : XX/XX/XXXX I have reviewed my credit report and found several inaccuracies and discrepancies regarding this account that require your immediate attention. These inaccuracies include : Incorrect Status : The account is inaccurately listed as " Transferred '' and " Collection or Charge Off. '' This is not an accurate representation of the account 's status. 

XXXX XXXX : The reported payment status is incorrect. It shows " XXXX '' monthly payments, which is not reflective of my payment history. 

Date of Last Active : The reported date of last activity on the account is incorrect. It is listed as XX/XX/XXXX, which does not align with my actual account activity. 

I understand the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, these inaccuracies are adversely affecting my creditworthiness and financial opportunities. 

I request that you promptly investigate and verify the information reported by XXXX XXXX and XXXX the necessary steps to correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that ; THIS ACCOUNT BE PERMANENTLY DELETED FROM MY CONSUMER REPORTS. 



I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute.
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-06-09
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX 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 2023-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Sir/Madam, I am writing to formally request the immediate deletion of inaccurate and unjustly reported information on my credit report related to my account with XXXX XXXX XXXX The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Revolving ( ChargeAccount for Jewelry and Camera ) Date Opened : XX/XX/XXXX I have reviewed my credit report and found several inaccuracies and discrepancies regarding this account that require your immediate attention. These inaccuracies include : Incorrect Status : The account is inaccurately listed as " Transferred '' and " Collection or Charge Off. '' This is not an accurate representation of the account 's status. 

XXXX XXXX : The reported payment status is incorrect. It shows " XXXX '' monthly payments, which is not reflective of my payment history. 

Date of Last Active : The reported date of last activity on the account is incorrect. It is listed as XX/XX/XXXX, which does not align with my actual account activity. 

I understand the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, these inaccuracies are adversely affecting my creditworthiness and financial opportunities. 

I request that you promptly investigate and verify the information reported by XXXX XXXX and XXXX the necessary steps to correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that ; THIS ACCOUNT BE PERMANENTLY DELETED FROM MY CONSUMER REPORTS. 



I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute.
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I have entered my bank account information for auto pay for my federal student loans before XX/XX/XXXX ( when my first payment was due after the payment pause ). This would result in a XXXX XXXX interest rate reduction. 

I was notified that my payment was denied due to insufficient funds in my bank account ( I have significantly more money in there ). I tried instead to do a one-time payment, and it was also denied for the same reason ( insufficient funds ). My payment is now late and I am at risk of my credit being impacted. 

I have not been able to get in contact with Nelnet yet over this issue and when I researched the problem it appears this exact scenario is common.
Consumer complaint received 2023-09-10
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. (GA)

The month of XX/XX/2023 I didn't have any inquiries on my credit report well on XXXX XXXX of 2023 there were XXXX inquiries added to my credit report and I immediately called the companies and let them know that I didn't apply for any of the inquiries that were listed on my credit report. I immediately filed a police report about the inquiries on my credit report and I mailed them off to each creditor which they have failed to remove the unauthorized inquiries from my credit reports and this is why I'm submitting a complaint.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

Hello, I have a AMEX Blue Cash Preferred card and I just canceled the card but the question is that there is {$96.00} balance ( reward ) in my card and the company won't give back to me. So I request the company give back to me the money.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (TX)

I had XXXX XXXX XXXX cable for 6 months while I rented an apartment during this time period. When I moved, the movers put the boxes in the attic with the many other boxes. After locating the cable boxes in the attic, I mailed them back to XXXX XXXX XXXX. Last month, my wife went to the XXXX XXXX XXXX store to add another phone line and she was told that the account is showing that there is a balance of {$480.00} due to unreturned cable boxes. I contacted XXXX XXXX XXXX ( XXXX ) two weeks ago and the representative confirmed that they received the cable boxes. I called on XX/XX/2023, to see if this issue has been resolved and removed from my account. I found out that my account was sent to IC System Collection Agency. IC System ( XXXX ) advised me that XXXX XXXX XXXX 's policy is to still charge customers if the cable boxes are returned after 180 days - even though the cable boxes were returned and received by them. Attached is a copy of my proof of return. There was never any disclosure provided to me by XXXX XXXX XXXX of this policy either verbally or in writing. This is deceptive and abusive business practices. I am seeking assistance from the CFPB to have this collection removed from my XXXX XXXX XXXX account and from the IC System collection agency. They are trying to steal money from people.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

Hello there, A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. 
On XX/XX/2023 XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/2023 and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have XXXX credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my paypal. I immediately contacted paypal, told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and XXXX. I lost XXXX points on XXXX and XXXX but XXXX fixed the issue the very next day. Every time I contact paypal about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had PayPal CSR shout on me and place me on endless holds. 
Today XX/XX/2023 they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, vantage and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. 
Id really appreciate it if something can be done about this since PayPal is completely incompetent and has refused to do their job. My fico and Vantage scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team Thanks, XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

MY CREDIT SCORE DROPPED XXXX POINTS DUE TO ERRONEOUS INFORMATION FROM DILLARDS/WELLS FARGO. I HAVE BEEN TRYING TO RESOLVE A {$27.00} BILLING ERROR THAT OCCURRED IN XXXX OF 2022 AND WHICH NOW TOTALS {$270.00} DUE TO FEES AND INTEREST THAT I DO NOT OWE! THIS HAS DRAGGED ON AND ON AND ON FOR 11 MONTHS. I OPENED A COMPLAINT WITH CFPB AND RECEIVED A LETTER LAST MONTH FROM WELLS FARGO SAYING A CREDIT WAS APPLIED, BUT I AM STILL RECEIVING A BILL ( WITH MORE INTEREST AND FEES ) AND MY CREDIT REPORT REMAINS INCORRECT. WELLS FARGO HAS BEEN ABSOLUTELY HORRIBLE IN HANDLING THIS AND OBVIOUSLY DOES NOT WANT TO FIX ANYTHING. 

SEE CFPB REPORT XXXX
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2022, Check # XXXX to XXXX XXXX is posted in Chase.com 's website. It is a balance transfer check for the amount of {$1500.00}. XXXX XXXX  representative deny ever receiving the check. 

Same month -and the following month after being suggested to wait a few more weeks- phone calls with Chase 's disputes department lead to nowhere. They state that it has been 'escalated ', but to this date the problem has not been resolved. 

Interest has accrued!