davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I opened a business credit card with US Bank which was a reward card. I earned about {$550.00} of reward. The account was on automatic payment. On XX/XX/2023, I reported my card to be stolen. I received another card but never activated the account. I checked the account balance from time to time which showed a balance of XXXX. Last time I checked the account was closed without my knowledge. I called the bank and they had no explanation. Finally after calling several times a supervisor told me that you owed a small amount and since you didn't pay it we closed the account. she said they send me several notices and statements but I never received any communication. The account that the automatic payment was linked had XXXX to XXXX and I had {$550.00} in reward. I never received any communication, no statement or letter that there was a balance due. The account was not linked to my online accounts and I could not view the account. I paid the small amount that was due and asked them to immediately reopen the account and have my reward back to my account. I need to be able to review my statements.
Consumer complaint received 2023-03-04
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. (MD)

On XXXX XXXXXXXX XXXX I mailed a letter to XXXX XXXX requesting validation of a debt that they have reported to the credit bureaus : Experian, XXXX, and XXXX. 

In this letter sent on XXXX XXXX, XXXX I also requested that XXXX XXXX cease and desist communication with me. I mailed these documents certified mail and domestic return receipt ( see return receipt attached ). XXXX XXXX received these documents on XX/XX/XXXX. To this date, I have not received validation of this debt AND the debt still remains on all 3 of my credit reports. 

On XXXX XXXX, XXXX, I mailed my FTC Identity Theft Report to all three credit bureaus : Experian, XXXX, and XXXX. In XXXX, all three credit bureaus removed the account from my credit bureaus. But later that month, they inserted the XXXX XXXX account back on my reports. I requested verification of the debt by the credit bureaus, but NONE of the bureaus responded with the verification of the debt and they simply stated that XXXX XXXX have verified the account. I requested the documentation of the verification, but none could be provided. 

I am utterly uphauled at how XXXX XXXX, Experian, and XXXX have handled this matter. They are ruining my reputation by illegally reporting information to my credit bureaus. This illegal information have caused me much anguish and stress as I have struggled to buy a house for my family due to this inaccurate reporting of information. 

XXXX XXXX has not reached out to mediate this situation. They do not see the urgency mediating this matter. They have violated my federally protected consumer rights and they believe that they can get away with this without consequence. 

XXXX XXXX has had ample time to resolve this issue and they have done NOTHING!

I demand the immediate removal of this account from the three major credit bureaus and all secondary credit reporting agencies for violating my federally protected consumer rights.
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (FL)

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. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX 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 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 vears.

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 2023-03-04
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: Experian Information Solutions Inc. (IL)

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

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

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (NJ)

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. XXXX XXXX XXXX account : # XXXX has violated my rights. Under 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 2023-03-04
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. (CA)

Experian LLC Upon reviewing consumer report # XXXX for XXXX XXXX XXXX appears deceptive and suspicious. This report has cause me to be a risk and not credit worthy with various names, addresses, and deceptive reporting. This has blocked XXXX XXXX from being able to use and extend credit. 
Experian LLC has a grave responsibility as the report referenced has XXXX XXXX being denied credit and adverse action taken by persons of common affiliation. I Deny Any and all.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

With the problem of the XXXX  pandemic, he called me and told myself that if I was bad without a job that they had a forbearance program in which I did not pay for the following months, I accepted for 4 months since 3 months ago I paid again but when I called my bank They tell me that they sold the account to servicing this company 2 months ago I am trying to fix the balance that I owe for XXXX and that they put it at the end of the loan that is what XXXX told me at the time they do not want to fix the loan the new company And they want me to pay you everything owed or make a loan modification but I must qualify for that and I do not want because I do not qualify and if I do not qualify I must pay the total debt all the banks lie and you must place a stop to this, I can lose my house and nobody does anything, every time I call the bank they don't answer or they tell me different stories servising # XXXX XXXX
Consumer complaint received 2024-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (TX)

Collection agency contacted me by mail dated XX/XX/year> and identified the alleged debt as {$280.00} for services provided by XXXX XXXX XXXX  and not paid by insurance for date of service XX/XX/year>. 
The medical provider never sent me, in any form or fashion, an itemized bil of the alleged cost of each service prior, or even what services were to be performed, prior to sending the balance ot a collection agency. This violates the State of Texas Health and Safety Code, Title 2, Subtitle J, Chapter 185.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I write to attach screenshots of my online acct at XXXX XXXX XXXX XXXX XXXX which states ACCOUNT CLOSED, Your Account is closed and Available credit {$0.00} which clearly documents that I have closed my account and my account obviously has been blocked from future purchase transactions. XXXX was required to report my account as Closed By Consumer simultaneously and promptly to all credit reporting agencies during my phone call to voluntarily close my account and block my account from future purchase transaction pursuant to the FCRA and XXXX XXXX protocols. Obviously, my screenshots clearly document that my account was closed and noted in the database of XXXX. However, my CLOSED account still remains reported to every CRA as OPEN and I have doubts whether it knows how to enter mid cycle mandatory reporting if Closed accounts or worse it may not report my account as closed in willful violation of the FCRA and XXXX XXXX protocols entitling be to {$1000.00} in Statutory damages against the Furnisher and every CRA who fails to report my account as Closed. No excuses will be tolerated for routine mandatory processing of my as closed. Please investigate and permanently report my account as closed and further mark my account as disputed.
Consumer complaint received 2024-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (PR)

I'm complaining about Newrez ( Loan Servicer ) My Loan # XXXX Mortgage Loan in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my mortgage loan servicer changed from XXXX XXXX to Newrez. 
Newrez failed to provide me the correct tax form that shows interest paid during XXXX. 

I'm a Puerto Rico resident, which is a US territory and Newrez should know that Puerto Rico has a different tax code and they must send me form 480.7A instead of Form 1098. 

Without that form, I will be unable to file my income tax return, which mandates to provide Form 480.7A. 

Newrez has a chat service that I used on XX/XX/XXXX to ask for the correct form and they told me that I that Form 1098 was the equivalent of what I asked and that is not correct. ( See Attached email with chat transcription ) Then, the same day I wrote an email ( See Attached ) to Newrez using my loan consigner email to explain why they must send me the correct form, and as of today XX/XX/XXXX I have not received a response from Newrez. I even sent them a copy of the correct form 480.7A that the previous servicer ( XXXX XXXX XXXX sent me. ( See Attached ) In summary, Newrez is failing to comply with sending me the correct tax form information as a Puerto Rico resident having a mortgage loan from Puerto Rico.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is the bank I bank with and I never noticed til today that they are over charging me everytime I use a atm machine Im paying the usual cost such as XXXX then Im also charged a extra XXXX and whatever the atm machine charges my bank charges me XXXX I spoke with a rep on XX/XX/XXXX the rep agreed that I was in fact double charged ever since I began with my bank XXXX  years but the rep said he can only refund me XXXX transactions!! Absolutely wrong that a bank is allowed to over charge customers then refuse to refund it I will go up every chain of command with complaints and to the news if Im not reimbursed for the stolen funds
Consumer complaint received 2023-03-04
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. (GA)

I spoke with XXXX at the Office of the President for XXXX XXXX XXXX XXXX, and she advised that XXXX is required to report to my account information to the credit reporting agencies. XXXX advised they have not notified any third party that the accounts are in dispute. XXXX advised that XXXX continues to report monthly to the third party credit reporting agencies. I reminded and advised XXXX that this account is in dispute. I advised XXXX that XXXX does NOT have my permission to report my personal information to any third party. I advised XXXX that XXXX continues to violate me by doing the following : XXXX XXXX XXXX XXXX has been notified in writing and has received and recognized that the accounts listed are in dispute. XXXX continues to report incorrect and false information to third party credit reporting agencies, against my request that they refrain from doing so. XXXX is reporting incorrect information, and also reporting my personal and private information to a third party without my consent. I have advised XXXX that I am enforcing my right to opt-out of their credit reporting to ANY third party. 
Pursuant to 15 US Code 1681a ( 2 ) ( a ) ( i ), experiences and transactions between the consumer and the creditor are excluded from the consumer report. 

XXXX XXXX XXXX XXXX is knowingly reporting incorrect information to credit reporting agencies and deliberately NOT reporting that the accounts are in dispute. 
Pursuant to 15 US Code 1692e ( 8 ), Communication or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a dispute debt is disputed. 

XXXX XXXX XXXX XXXX has sent me threatening letters, demanding payment on an account that is dispute. XXXX has not validated any debt to date. 
Pursuant to 15 US Code 1692e ( 4 ), A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 4 ) the representation or implication that non-payment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Pursuant to 15 US Code 1692e ( 5 ), A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) the threat to take any action that can not legally be taken or that is not intended to be taken. 

XXXX XXXX XXXX XXXX is continuing to violate my consumer rights.
Consumer complaint received 2024-03-26
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (IN)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

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

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$34000.00} XX/XX/
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (FL)

I file a late payment dispute online on XX/XX/2023 with Experian on XXXX credit card. I found late payment on my credit report, but according to law. I am a consumer and therefore they can not be putting negative statement on my consumer report. 15 U.S. Code 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is against the law for Experian or XXXX to be reporting late payment on my consumer report. I ask them to please remove the late payment information from my consumer report. This is hurting my report. This is causing me to deny of credit.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and I have had a credit card for 4 years. XXXX  and Experian do not provide me with my credit report or XXXX XXXX. I called both XXXX  and Experian several times and they refuse to help me. I even mailed in dispute to each of the companies. My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. When I ran a credit check, I got the following errors. 1 ) XXXX  error : " Record not found '' 2 )  Experian error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' XXXX  said  that my first name is too short and so I need to hire a credit repair service. Experian said I do not have a credit file. If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with XXXX  and Experian ; and they are not even trying to investigate the issues. Why are these bureaus being to reluctant to help a consumer?
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

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

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
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. (OH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 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. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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.