davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
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: Mr. Cooper Group Inc. (MD)

Hello, I first reported the problem on XX/XX/2021 and got a incomplete response on XX/XX/2021. 
It's about the balance of my Mortgage loan being reported to XXXX, XXXX  XXXX XXXX  at {$250000.00} and recently XX/XX/2021 received a email from XXXX stating my loan balance is {$250000.00} after they reached out to my Mortgage Loan Servicer Mr. Cooper. The correct Mortgage Loan Balance is {$230000.00}. I recently found out about this information being inaccurate with all Three Credit Bureaus is because my Credit Score was decreased. 
I will be sending by email a letter to the Researchincoming @ mrcooper dated for Today XX/XX/2021 that is a part of the attachments. 

You can only reach the people who does the investigation into this issue is by email only - reseachincoming@mrcooper.com or by mail. I have spoken to a CS Representative to see if I can speak them about this problem and I can not and they only addressed one Credit Bureau which is XXXX  and I sent the all three to show them the problem which has not been corrected nor my Credit Score. 

This is a copy of the Email I sent on - Fri, XX/XX/2021 XXXX pm ( XXXX ) To : you ( Bcc ) + 1 more Details Hello Research Department, Please acknowledge you received this email, so, I know it has gone to the correct place. I have recently discovered via my Credit Score being reduced, that all Three Credit Bureaus has the same incorrect my Mortgage Balance. Please find attached all Three Credit Bureaus reported amount of my Mortgage being {$250000.00}, when is actually {$230000.00}. There is {$23000.00} difference. Can you please correct this problem with the Credit Bureaus and inform me when this issue is resolved and my Credit Score is corrected. 

Thank you for all your help with this matter
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (IL)

They told me they couldnt do anything about it, to call XXXX XXXX. I called XXXX XXXX so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XXXX XXXX and it is now XX/XX/2021 i need help.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'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 2021-04-05
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. (OH)

I filed for Chapter XXXX bankruptcy last year 2020 ( XXXX XXXX XXXX XXXX  Docket # XXXX ) and the accounts that were included in my bankruptcy were not removed and or deleted from my credit report which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-04-05
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. (OH)

I filed for Chapter XXXX bankruptcy last year 2020 ( XXXX XXXX XXXX XXXX  Docket # XXXX ) and the accounts that were included in my bankruptcy were not removed and or deleted from my credit report which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I received a message through XXXX from someone I believed to be a friend. We had a conversation a week or so earlier about things being tough at home. So it was no surprise to me that I received a request from who I believed to be this person for financial assistance. 
This person stated that they were in dire need of money and promised to pay me back as soon as possible. I downloaded XXXX and sent {$300.00} to a XXXX XXXX XXXX who I assumed was a family member. After the transaction, this person had requested another {$700.00} and that is when I knew I had been scammed. I was able to finally reach the actual person by phone and she had told me that she was aware that she had been hacked and apologized for not reaching out to me about it. I then reached out to capital one and placed a claim. Capital One stated that because the money was sent legally the bank would not be able to recoup the money and therefore could not reimburse me for the loss. I challenged it again and was given the same response. This was fraud by an imposter and I should have received assistance from my bank. I contacted XXXX as well about this fraudulent account. They too could not recoup the money for me. This was a financial crime that was done to me.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Kahn, P.A. (FL)

I OWE A BALANCE ON A CREDIT CARD, DUE TO CIRCUMSTANCES OUT OF MY CONTROL I FAILED BEHIND. I WAS TAKEN TO COURT, THEY WOULD ONLY EXCEPT XXXX A MONTH, I TOLD THEM IT WAS MORE THAN I COULD AFFORD I WOULD TRY. SHORTLY AFTER THAT, THINGS GOT MUCH WORSE MY SISTER, XXXX XXXX XXXX, FEEL TERMINAL SICK WITH XXXX, I HELP ALL I COULD. WE LOST HER XX/XX/XXXX, OH PAY THE WAY THIS COURT DATE WAS IN XXXX. THEN I ENDED UP IN THE HOSPITAL VERY SICK DUE TO THE XXXX. ALMOST MY XXXX  WAS XXXX I WAS IN XX/XX/XXXX FOR 4 DAYS, THAT WAS XXXX, OF COURSE I WAS VERY WEAK TRYING TO JUST MAKE IT, AFTER THAT MY MOM HAD A XXXX WE LOST HER XXXX OF XXXX, THEN XXXX OF XXXX I HAD XXXX XXXX MISSED A MONTH OF WORK, SO YOU MIGHT UNDERSTAND WHY I WAS STRUGGLE TO MAKE IT, THEY CHARGE OVER XXXX WITH COURT COST FOR A XXXX DOLLAR BILL, THEY TOKE EVRYTHING EXCEPT XXXX FRIDAY XX/XX/XXXX, AND INSTEAD OF TAKING THE XXXX DOLLARS THAT ARE LEFT ON THIS BILL THEY ARE TAKING XXXX THE COMPANY IS HUNT AND KAHN PA. PLEASE HELP XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I viewed my credit report, and to my dismay. The original accounts were transferred, charged off/ sold, and I am no longer responsible for the account. Debtors ' creditors did not verify this collection. Also, there was no written form of communication, contract, or signature for this debt. A bill without a signature does not validate. According to the FCRA, XXXXXXXX XXXX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-31
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. (GA)

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 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

We started the process 10 months ago I XXXX of 2020. I have gone through at least three lenders at fifth third and given them the same documents at least three times. So now they want to start all over again because they dropped the ball. Im a CPA and this is my busiest time and its really a hardship on me to resend all the documents again and I may have to pay for another appraisal. I dont think this is fair. Also they have pulled my credit three times and caused it to decrease along with my husbands and have already put their name on my homeowners insurance policy. When I inquired about it they said it was normal, I dont think so. These are a few of the issues.
Consumer complaint received 2022-01-31
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. (OK)

Experian & both XXXX has my wrong birth date. XXXX has XX/XX/XXXX when my real birthdate is XX/XX/XXXX. I have certified mail both XXXX & experian on XX/XX/XXXX a copy of my id, social. I have asked them both multiple times to update my birthdate. Experian just have my birthdate at XXXX when thats not a full birth date it should be XX/XX/XXXX in the right birth date format. I have disputing these things over the phone, online through their dispute system & also mail. And my information is still wrong & not updated to the right birth date please help me.
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (VA)

The following collection agencies Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX has reported 3 collection accounts on my credit report on XX/XX/21 on XXXX XXXX on XXXX and XXXX for {$200.00} XX/XX/XXXXOn XXXX XX/XX/21 on XXXX and XXXX for {$700.00} XXXXon XXXX XXXX on XXXX  and XXXX for {$79.00} XXXX has voilated my right as a federally protected comusmer under 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XX/XX/XXXXand beforeXX/XX/XXXX, local time at the consumers location ; Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX was not given consent directly from me the consumer nor provided express permission of a court of competent jurisdiction. 
Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX has voilated 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
They have damage my reputation by reporting to my credit report oppressing me from receiving services or goods causing harm to the physical person by having me work excessive hours of overtime at work.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

In XX/XX/2018, I ran into some financial trouble and was threatened with repossession from Nissan motor acceptance corporation ( 2 months from loan maturity ). I made a XXXX payment and had less then 60 days in my amortization schedule and owed less than XXXX dollars on the total lease agreement. If you look at my credit report, my car was repossessed at only 30 days delinquency on the day before Thanksgiving XXXX XX/XX/18 with a minimal balance that I could of paid off if needed. When I called Nissan they said given how close I was to loan maturity I would not be given an opportunity to re instate my lease agreement. Please also keep in mind that the company took my car with numerous valuables to a random lot and I had to meet the person a person to meet him. There were also items missing. 

I then get a notice 12 months later that I owe a charged off account XXXX dollars, please keep in mind i paid 99 % of the payments on this lease agreement. I did not receive an itemized bill, all it said was " repossession expenses '' " miscellaneous damage ''. i have been trying to challenge this through the credit bureaus from some years now that my finances are healthy and i want this removed from my credit report.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Late payment being applied after due dates. 
Bill mailed and received and payment sent out ASAP. 
not applying payment Wafting to applied late payment. 
I have had this card for well over 25 years and never have had any Late payments. 
I have been applied to 2 late payments in last months No help from card company.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I filed 2 disputes with equifax credit bureau. One was dated XXXX and the other was XXXX. Both had an estimated date of completion as XXXX. I hired a credit repair service to help me but no help. I would like both of the disputed items to be removed from the credit reporting agencies, specifically equifax and XXXX because the time limits by law have been violated. Thank you so much for your time and attention to this matter.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (TX)

I sent my 3rd affidavit to MBFS and they received it XX/XX/2021, XXXX XXXX  Delivered XXXX, MI XXXX item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, MI XXXX. The item was signed for by XXXX XXXX. 

I am demanding that MBFS address my concerns and respond with Federal facts and not hearsay. MBFS has failed to address me as a consumer and the federal rights i have made known to them.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings (TX)

CoreLogic Rental Property Solutions as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). CoreLogic Rental Property Solutions is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a CA EDD customer. I filed a claim in XX/XX/XXXX. I started getting money deposited onto a Bank of America Debit card. On 2 dates in XX/XX/XXXX : XX/XX/XXXX in SF CA {$200.00} and XX/XX/XXXX in SF, {$1000.00} from a savemart. Also 2 dates in XXXX XX/XX/XXXX XXXX, CA {$1000.00} and XX/XX/XXXX in XXXX XXXX CA, from a XXXX XXXX ATM, {$100.00}. These transactions were not mine. I called EDD and BofA and reported the fraud, Com code is XXXX. Claim number is XXXX. EDD froze my account as did BofA. EDD unfroze my account in a few days. I now get paper checks from the EDD. BofA tried to blame EDD for the account being frozen, just today my account is unfrozen, yet it will take up to 45 day for the " research Dept '' to research and then possibly make a decision. Enough! I have spoken to hundreds of CSR and supervisors, they can't do anything! I have filed a police report, # XXXX by XXXX XXXX. XXXX Co. XXXX 's office. The amount of my claim is {$2300.00}. The bank claims to have a " zero liability '' fraud policy. XXXX, it is a Zero Accountability policy for BofA. Please help me get my money back.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (KS)

On XX/XX/XXXX I was informed by Innovis an security freeze will be activated which I requested due to inaccurate information my credit report. Innovis sent my credit report as my request on XX/XX/XXXX. I saw that Innovis was reporting the inaccurate information such as DOB XX/XX/XXXX which is not mines. Also they are reporting two other accounts XXXX  card service and XXXX XXXX XXXX. On XX/XX/XXXX I disputed with an letter stating the inaccurate and incorrect information and request proof with my signature. I received an letter from Innovis stating XXXX was deleted but XXXX XXXX wasnt, when XXXX XXXX had inaccurate information too. I was told the XXXX XXXX account came back verified with changes of my credit limit from {$1700.00} to {$1400.00} when this account has been closed for almost 5 years. Also my address and phone number are not mines
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX MTR XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2021-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

I've received a response from Grant and Weber they stated " This left XXXX XXXX responsible for the deductible in the sum of {$1500.00} ''. So due to that response I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.