davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Had a loan mod approved by XXXX XXXX XXXX sent in first payment then no other paperwork came call them they said they sold loan to nationstar, called nationstar they would not honor loan mod said we had to start all over with them. sent everything to them heard nothing called said paperwork missing. sent all again and again they said paperwork missing. my point of contact changed every month so im just going in circles.sale date XXXX/XXXX/15. ive been railroded out of my house. surely this is illigal
Consumer complaint received 2024-03-05
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Hi, Portfolio Recovery Associates # Account Number XXXX XXXX has violated my rights. They have place a debt collection notice on my credit report which is hurting my consumer credit report. I have requested from them via certified mail to send me the Original Purchase Agreement for this Alleged Debt. The original purchase agreement which should have all the terms and conditions that are in this debt. They never provide the requested information. They did respond saying that I have an attorney or legal representative on this issue. No, thats false, I dont have any legal representative on this issue this is false and they are using this to keep incorrect notice on my consumer credit that is hurting me. 

Portfolio Recovery Associates can not provide proof that I owe this debt and that they are now owner of this debt. They have harassed me over and over they have called me repetitively via phone calls from morning until night. This is very stressful and hurt me mentally, it hindering me and my family financially because its on my consumer credit report. 

In accordance with the Fair Credit Reporting act Portfolio Recovery Associates violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Portfolio Recovery Associates 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. 

Please help.
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CT)

I financed a XXXX XXXX XXXX through the company Westlake Financial Services. I was told By XXXX XXXX XXXX after I gave them a down deposit of XXXX to tell the Westlake that I am already driving the car on XX/XX/XXXX but I did not pick up the car and actually drive it till XX/XX/XXXX. My car payment was set for XX/XX/XXXX, I made a partial payment of XXXX on XX/XX/XXXX. I later received a call from Westlake regarding my balance and explained to them I will be able to make the rest of the payment on XX/XX/XXXX. I was told that would be okay and they will just call me again to make sure. On XX/XX/XXXX, I received a phone call from XXXX XXXX telling me they will pay the other half of the bill but I have to come down now to resolve the issue. I get to the auto company and they show me a letter sent via email stating Westlake would like for them to buy they car back and XXXX pressured me to leave the car on their lot and take all of my belongings. On my contract it does not state a grace period and it does not state what it is considered a miss payment.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MN)

I received a bill on my account with XXXX XXXX in late XX/XX/XXXX. 
Payment was due XX/XX/XXXX. 
There was a charge on XXXX XXXX, XXXX, for {$530.00} at XXXX in XXXX, California. All other charges in XX/XX/XXXX were in the XXXX metropolitan area where I live. I did not make a charge at XXXX at XXXX, California. 

In XX/XX/XXXX, I was treating for XXXX and COVID was raging. No travel was advised and I did not travel during that time. I did not purchase the phone in XXXX, California. The credit card said it was an in-person purchase. A review of any security tape will show that it was not me. 

I immediately challenged the charge with XXXX XXXX  Company. I have had this credit card for 30 years and have never had a similar problem. I have always paid my bill in full. 

In a letter dated, XX/XX/XXXX, the credit card denied my disputed charge. 

I would like to appeal this charge as I did not make it.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: World Acceptance Corporation (TX)

I Disputed these innacuracies with company and my issue was not fixed company is reporting multiple innacuracies on this closed account payment history and balances is different across all bureaus i requested proof of account payments being late to no response instead company updated my credit report with more late payments with no proof I am requesting for this trade line to be removed from my credit report for failure to accurately report I have attached how account history is being reported across all bureaus thank you.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I reviewed my consumer report and noticed that I had several different late payments on each of my credit accounts that i was never late for. Also the Account shows different balances. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of there abilities with maxium accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on date of XX/XX/24. Please investigate and provide proof with statements showing that these payment were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attahed.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-05
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. (UT)

I am responding to the recent investigation findings, expressing my disagreement and emphasizing the importance of complete accuracy. I am dissatisfied with the extent of efforts made to contact the creditors responsible for reporting the information on my credit report. Consequently, I am requesting further information regarding these specific items categorized by bureau : Experian : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00}. I am requesting the removal of all late marks associated with these accounts, asserting that I have consistently made timely payments. Furthermore, I urge you to conduct a thorough reinvestigation into the payment history of these accounts to verify my assertions, as I am confident in their accuracy. Please ensure that the payment history is updated accurately. As previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I am requesting a reinvestigation and update of these disputed items. Kindly provide me with the names and addresses of the individuals contacted. You are allotted thirty ( 30 ) days from receipt of this letter to complete these actions, unless notified otherwise in accordance with 15 U.S.C. Section 1681i ( 5 ) ( A ). It should be understood that failure to verify within this timeframe constitutes non-verification, requiring prompt updating according to Section 1681i ( a ).
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair Credit act XXXX  Account XXXX XXXX, has violated my rights. 
Per fair Credit Report act Laws you can't have a pass due balance on a closed Charge off account. 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. 

XXXX XXXX  Account # XXXX, Has violated my rights. 
15 U.S.C 1666B A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

18 USC 894 NO negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing late payments, chagere offs, etc.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-05
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE!
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account XXXX which you claim I have repossession. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

I am a victim of Identity theft or this is an error. I never had a car loan threw them nor ever had a vehicle repossessed. This is all inaccurate information and I need it removed from my credit report Thank you
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (NV)

Debt belongs to XXXX and American Express brought this issue in front of the same court on XX/XX/XXXX and this case subsequently was closed after 4 years of constant harassment. Debt belongs to XXXX statute of limitation on the debt has expired but the harassment has continued. 
1- It has been 10 years since original debt and Statute of limitation on this debt has been expired. In Nevada, the statutes of limitation NRS 11.190 for credit card debts are generally 4 years from the time of first non payment. 
2- Notice of appearance was sent to a wrong address and late to ensure that I, XXXX XXXX , will not receive the notice. 
3- Original complain in XXXX was not brought in a timely manner, As the Supreme Court confirmed in the case of Rotkiske v. Klemm , 140 S.Ct. 355 ( 2019 ), discussed below, absent the application of an equitable doctrine, lawsuits arising under the FDCPA must be brought within one year from the date on which the violation occurs. ( 15 U.S.C. 1692k ( d ) ).

4- FDCPA Statute of Limitations was established so harassment such as this are not open ended and fear, phone calls, threats and abusive behavior stops, 5- This case has been initiated and subsequently was closed after years of such behavior as explained above. Any further harassment should cease and desist immediately.

a new complaint was started by American Express about the same issue on XX/XX/XXXX almost 11 years after it was reported.
Consumer complaint received 2024-03-05
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)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting At XXXX XXXX XXXX XXXX  as 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.