davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NY)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report there is personal information thats inaccurate I will list all in accuracies then list correct personal information INACCURATE PERSONAL INFORMATION : Name : XXXX XXXX XXXX ADDRESSES:XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX EMPLOYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCURATE PERSONAL INFORMATION : Name : XXXX XXXX XXXX EMPLOYMENT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX THIS CORRECTION SHOULD BE HONORED BY LAW 15 U.S. Code 1679c - Disclosures U.S. Code Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly .
Consumer complaint received 2022-05-20
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 requested on 4 occasions via mail for dispute on inaccurate reporting of a collection account. 

This information was return verified each time. The bureau did not provide written correspondence on how this information was verified and whom they spoke with at company to confirm the information is true and correct in accordance with the FCRA, Public Law 91-506 Title VI, Section 611, subsection A-D. 

This information report on my Experian report is inaccurate and reports a false representation and injurious to my credit rating.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OR)

To whom it may concern : on XXXX XXXX we refinanced our house with new penn financial, shellpoint became the mortgage servicing, on XXXX XXXX they claimed they paid {$7000.00} on XXXX insurance, why? I do not know they have not given an answer. Our insurance premium is about {$150.00} a month, we had only been 12 months with this company there is no way we owe that amount. Our escrow got short now our payment went up {$500.00}, since we only pay whatever we agreed, we keep receiving letters of default and we are loosing our house. I have been fighting this company for seven months calling them every week in up to today I have not got a decent answer. We have never missed a single payment, this is very extresful situation and obviously they do n't care on fixing this problem. Thank you for your time I hope I can get some kind of help resolving this matter.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card XXXX XXXX AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called XXXX XXXX AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING
Consumer complaint received 2023-03-07
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: WELLS FARGO & COMPANY (GA)

Fradulent items on my credit report. 

XXXX XXXX XXXX XXXX -Account number XXXX -Date opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Phone number ( XXXX ) XXXX XXXX -Account number XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXAccount number XXXX -Date opened XX/XX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX -Account number XXXX -Date opened XX/XX/XXXX Address XXXX XXXX XXXX XXXX, NC XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (MS)

I had no knowledge of the amount of {$4400.00} that's been added to my credit. I did not agree nor did I sign paperwork for such. I attended court and there was no eviction.I was wrongfully evicted without notice after giving notice of court but no ruling of eviction were given. I have no documents of the amount or an afee statement..
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On XXXX the XXXX, XXXX, I noticed that Nation Star LL dba Mr. Cooper, took an additional {$400.00} from my account. This was done on XXXX separate occasions. I contacted customer service and was told that they purchased flood insurance on my home. I informed them that my home is not in a flood zone. The representative informed me that they received the information from FEMA, and had every right to protect the loan. I asked for the documents from FEMA stating our home was in a high risk flood zone, he said he could not provide it however, they informed me that I was sent XXXX notices that I should have responded to. I informed him that unless he had my signature showing receipt of a notice, he could not make that statement. He sent me to a supervisor the supervisor reiterated what the previous representive stated. I called back the next morning requested a supervisor. After threatening a letter from my attorney and reporting them, as was recommended by FEMA, he sent me the the Standard Flood Hazard Determination Certificate from XXXX ( attached ). Under the comments section of the report dated XX/XX/XXXX. XXXX states that the property is partially within a special flood hazard area and they were not able to identify any structures with the information provided by Mr. cooper and asked for additional information. Instead of Mr. Cooper not doing their due diligence, they purchased private flood insurance on my property at XXXX times the cost of getting it thru FEMA. And according to FEMA mapping department and the reevaluation by XXXX, our home is in zone X, meaning minimal flood hazard and no insurance is required. In addition, according to the FEMA representative FEMA does not insure raw land
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. 

Best regards, I remain
Consumer complaint received 2022-05-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Advance America, Cash Advance Centers, Inc. (MS)

I applied for a installment loan of {$1000.00} with AdvancedAmerica online XX/XX/2022 and was denied. They called me on XX/XX/XXXX at XXXX and left a voicemail, they called again on XX/XX/XXXX at XXXX and left another voicemail. I called them back XX/XX/XXXX at XXXX to find out why they were calling me because I was denied. I talked to XXXX XXXX and she said that I was approved for the loan that I just had to take her a photo ID, social security number and proof of income. I got to the office about XXXX and gave her all the information. She left in the process of my paperwork and let her co-worker finish. The co-worker said that I had been approved for a payday loan but I did not apply for a payday loan. I refused the payday and went home. I got an email stating my XXXX score went down by XXXX points and I never received a loan.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2019 I receive Ofer from credit card company Wyndham rewards visa for 0 % Apr for 12 months I applied and got Approved I call them to do balance transfer from from my wife credit cards discover of the amount of {$2900.00} After 1 month I got the Statement from XXXX card and I sew that the balance Didnt go through so I called Wyndham rewards and start to get a lot of lies from them its all ready Past 7 months and they didnt respond back to me in the mean time I paid both credit cards for Wyndham ( yes they charge me {$2900.00} ) and the XXXX card that I paid high interest rates ( 24 % ) in the last 7 months I called the company every week and still didnt get respond they just give me different case number the last one I got was XXXX XXXX Thanks XXXX XXXX
Consumer complaint received 2022-12-16
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. (CA)

IN XX/XX/2022 I PULLED MY CREDIT REPORT AND IMMEDIATELY NOTICED INACCUARTE INFORMATION AND LATE PAYMENTS AND LATE PAYMENT ACCOUNTS BEING REPORTED ON MY CREDIT REPORT FROM EXPERIAN. I REACHED OUT TO EXPERIAN THAT SAME MONTH TO LET THEM KNOW OF THE INACCUARTE INFORMATION AND TO HAVE IT FIXED IMMEDIATELY. IT WAS CAUSING A GREAT DEAL OF XXXX AND XXXX XXXX AS A SINGLE MOM. I FIRST REACHED OUT TO EXPERIAN BACK IN XXXX OF XXXX VIA TELEPHONE TO LET THEM KNOW WHAT I HAVE DISCOVERED. EXPERIAN THEN PROCEEDED TO TELL ME THEY WOULD OPEN AN INVISTIGATION TO GET THE ISSUE RESOLVED. TO SEND IN SOME SUPPORTING DOCUMENTS TO BACK UP MY CLAIMS WHICH I DID. EXPERIAN WAS THEN ABLE TO REMOVE ACCOUNTS THAT DID NOT BELONG TO ME HOWEVER EXPERIAN HAS FAILED TO UPDATE MY CREDIT REPORT ENITRELY DUE TO THE FACT THERE IS STILL LATE PAYMENT ACCOUNTS ON MY CREDIT REPORT. THERE IS ALSO LATE PAYMENTS BEING REPORTED. ALONG WITH XXXX HARD INQUIRES THAT IS ALSO AFFECTING MY CREDIT SCORE. WHICH I HAVE EXPRESSED TO EXPERIAN NUMEROUS OF TIMES VIA PHONE AND THROUGH CERTIFIED MAIL THAT THE INFORMATION WAS INACCURATE AND TO PROVIDE SOME SUPPORTING DOCUMENTS TO VALIDATE WHAT WAS BEING REPORTED. HOWEVER, EXPERIAN HAS FAILED TO DO SO.
Consumer complaint received 2023-03-06
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2024-06-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Rocket Mortgage, LLC (FL)

Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Nature of Complaint : Potential Identity Theft and Fraudulent Mortgage Activity I am the sole owner of the property located at XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. This property is free of any mortgage or other encumbrances.

I have recently received multiple mail items purporting to be from Rocket Mortgage or related third parties. These items suggest that unknown individuals are attempting to acquire a mortgage for my property. ( Please see attached PDF binder for images of the mail items. ) The individuals named in the mail items are unknown to me and have never resided at my property. I believe I may be a victim of identity theft and that fraudulent mortgage activity is being attempted on my property. 

I request that Rocket Mortgage and its affiliated or related third parties immediately cease and desist all actions relating to this property. I also request an investigation into this matter to identify and hold accountable the parties responsible for this potential fraud. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (GA)

U.S. Small Business Administration ( SBA ) dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 I am concerned about the impact of these hard inquiries on my credit score and would appreciate any advice or guidance you may have on how to minimize their impact. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 24 active hard inquiries to my Transunion report. I am an identity theft victim and Transunion keeps lying to me and telling me I can not dispute the extremely large number of fraudulent inquiries. I called once again tonight on XX/XX/19 and was hung up on after verifying my information multiple times and blocked from speaking with the fraud department like I asked for. For the third time, I am submitting my police report and screenshot of 24 hard inquiries, most of which are fraudulent, to Transunion and asking for the correction to be made.
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (MI)

Repeatedly calling friends and extended family trying to reach my mother ( elderly XXXX patient ) even after being told by multiple sources to contact me ( durable power of attorney ), and me alone. I have been told that they have also tried to represent themselves as a medical company. Furthermore, upon establishing contact with me, we established a day and time for them to call me back and discuss the matter they are calling for. They did not call, and have only attempted to call during hours I told them I am unavailable to take calls due to work.
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Bureau of the South, Inc (LA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CERTIFIED BUREAU OF THE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted a package to Capital One for foreclosure alternatives on XXXX/XXXX/2016 and continued to fax documents that were being requested. At several times, my file was in review and on XXXX/XXXX/2016 I was asked to re-fax certain documents that they claim were not received. I faxed those documents that same day and today when following up, I am informed that my file has been closed and they will not review me for another modification and will be proceeding with the sale in 13 days.
Consumer complaint received 2020-12-17
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. (CT)

XXXX,, XXXX 
Experian.. 
All are reporting different things on my credit reports I tried to dispute but they won't dispute these things on my credit reports, I informed them that I am not aware of these accounts and have no knowledge And they still are showing on my reports.
Consumer complaint received 2018-09-19
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: EQUIFAX, INC. (NY)

To whom it may concern, I am writing a letter of dispute. I have included a copy of my drivers license and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 



I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 
You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. 

XXXX Charge Off
Consumer complaint received 2022-10-13
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 some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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