davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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: Mr. Cooper Group Inc. (AL)

XXXX, XXXX XXXX XXXX AND XXXX XXXX are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great XXXX and XXXX  to were I may need to be seek XXXX XXXX
Consumer complaint received 2022-11-11
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$590.00}.
Consumer complaint received 2022-05-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Accounts 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 Accounts : XXXX XXXX {$850.00} ( Account XXXX ) XXXX  {$1400.00} ( Account XXXX ) XXXX XXXX XXXX {$560.00} ( Account XXXX ) XXXX XXXX XXXX  {$750.00} ( Account XXXX ) XXXX XXXX XXXX- {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} ( Account XXXX )
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I sent out certified mail letters to each XXXX XXXX XXXX regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/2022 but Experian and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX XXXX. These late payments need to be removed because you are reporting me being 30 days late in XX/XX/2022 but Experian and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX XXXX. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX XXXX. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Consumer complaint received 2022-11-11
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: CITIZENS FINANCIAL GROUP, INC. (CA)

On XX/XX/XXXX I reviewed by credit report on XXXX and XXXX and found an open account on my XXXX report that was open XX/XX/XXXX with an open line of credit of XXXX with a company called Citizens Pay LOC with a partial acct number of XXXX. The business address is XXXX XXXX XXXX XXXX, RI XXXX and a contact number of XXXX. It shows a balance of XXXX and monthly payments are XXXX. 

On XXXX, this acct. show Citizn Pay LOC with an acct. number of XXXX. The acct. was open XX/XX/XXXX and it says the acct type is Overdraft/Reserve Checking account. The balance is XXXX and the credit limit is XXXX and monthly payment is XXXX. The business address is reported as XXXX Citizens Bank XXXX XXXX, RI XXXX. 

I attempted to call this business number and that number XXXX is not a business number. 

On XX/XX/XXXX I called by credit reporting company and locked my credit file and the company placed my report as a fraud alert. 

On XX/XX/XXXX I called my local police department and filed a police report. The police report number is XXXX.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (SC)

I have never stayed at the addresses below and would like them removed/ deleted from my consumer report. 
XXXX XXXX XXXX, XXXX, SC XXXX Date Reported : XX/XX/05 XXXX XXXX XXXX XXXX, XXXX, SC Date Reported : XX/XX/05
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CO)

On Thursday, XX/XX/XXXX I checked my credit report and saw an account was opened in my name for {$450.00} by XXXX XXXX in Texas. The account was activated XX/XX/XXXX and closed XX/XX/XXXX. I have been living in Colorado for 3 years - never in Texas. I contacted XXXX XXXX on XX/XX/XXXX at XXXX. They informed to file an FTC report and a police report. I will also be disputing it with XXXX and XXXX. XXXX XXXX has also started an investigation.
Consumer complaint received 2022-11-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

In XXXX my credit card was stolen at a concert. The thief racked up {$990.00} dollars worth of fraudulent charges which my bank is refusing to refund me. After completing their " investigation '' USAA has determined that I am liable for those fraudulent charges. I would like a full refund please and thank you.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One, XXXX, and XXXX/XXXX accounts have all been used by another individual for personal pursuits. Fraud alerts have been set up and an FTC complaint has been filed # XXXX. All cards have fraudulent charges and incorrect amounts.
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mediation Recovery Center (MD)

The company XXXX has purchased a debt from another company called XXXX XXXX. I have never had a loan with XXXX XXXX and I do not know who they are. When I spoke to a representative from XXXX/XXXX XXXX on the week of XX/XX/2023, I advised at that time that this was not my loan and I never heard about this loan. The business continued to call. On XX/XX/2023, I received an email alert from XXXX that I had an account in collections. I have disputed this with the credit bureaus. But when I called the merchant XXXXXXXX XXXX the representative refused to provide any documentation or proof and advised me that they would not remove anything on my credit file until I provide proof that its not mine, well I do not have proof because I have not worked with this company. 
I need this predatory behavior to stop. Apparently, this company XXXX brought this debt from XXXX XXXX, how and why is this even possible? I do not own this debt and I would like help to get this issue resolved.
Consumer complaint received 2022-11-10
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. (NY)

I previously submitted a report # XXXX. The complaint was that they have not updated my income. They are using {$2200.00} per month to calculate my loan to income. The correct amoiunt is {$3700.00} per month as submitted in the previous complaint. 

They responded with a completeely irelevant item that had nothing to do with the income. 

I responded to your email stating the above but never received acknowledgement. I don't know why. Thus I am submitting the dispute again. Please make sure they respond to the income problem and not some irrelevent item. Please see a copy from my checking account below. Note the SS deposits of {$1700.00} and {$2400.00} for a total of {$3700.00}. 

XX/XX/2022 Electronic Deposit XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX {$1300.00} {$8300.00} XX/XX/2022 Electronic XXXX XXXX XXXX/ XXXX - XXXX XXXX {$2400.00} {$7000.00}
Consumer complaint received 2022-11-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (AZ)

This company called me asking to speak to someone I know. I advised that this was not the number for them and I'm unsure how they got my number. I asked for them to stop calling me. Their representative refused to take the number off, disconnected the call on me and has proceeded to continually use their automated to call me. 
The original number they called me from was XXXX, then he called me right back from XXXX. Then there was a text message from XXXX
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I got a letter in XX/XX/XXXX stating my mortgage was increasing due to a increase in my insurance and taxes. I was very concerned so I called early XX/XX/XXXX and spoke with a very nice person who took the time to explain what was going on. I expressed my concerns about the increase and was told there was a shortage in my escrow account. The lady took the time to give me the exact amount needed and emphasized that when I call make sure I tell them this is for the escrow. I did exactly as instructed. However this mortgage company has been rude and totally ignoring my request they have taken my money and refused to apply to my escrow. They have hung up on my numerous times. Unprofessional passing blame and insisting there is nothing that can be done. This is s complete disgrace. I did my best and the company is refusing to listen or help. Please take the time to assist me before it too late. Lakeview loan services is the absolute worst. They need to hire adults who listen and follow up. I need help getting the monies applied as they have deliberately made a mess the stress and the lack of respect shown by this is unacceptable. Please advise. I've been calling for 4wks with no results
Consumer complaint received 2023-06-12
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. (GA)

Trans Union has failed to remove fraudulent inquiries resulting from identity theft. I have already provided all required documentation. These inquiries are not mine and I did not give anyone consent to use my personal information.
Consumer complaint received 2022-11-10
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)

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND EXPERIAN. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, EXPERIAN, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, EXPERIAN, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE. THIS IS THE THIRD TIME I'VE SUBMITTED A COMPLAINT, AND THE REPONSE I GET IS " YOU CAN NOT LOCATE MY CREDIT REPORT! '' THIS IS CLEARLY NEGLIGENCE.
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc. (OH)

I received XXXX calls from XXXX in regard to a debt that I do not own them. They also called my ex-wife and sent her a text message and sent her a text message with the last XXXX of my social security number and my vehicle make and model and license plate number and threatened a judgment against me and garnishment and sent a text message to my mother after I told them to cease and desist. I have sent them emails to cease and desist. This company They have contacted family members, and I request them to cease and desist from doing so. I've received multiple calls per day which is also illegal per the FDCPA that reads " it prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I have received no documentation of any debt owed to them. They are clearly violating my rights as a consumer and violating the FDCPA and the FCRA. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regard to current consumer protection laws. Please note that I am not concerned with the verification of this debt. Send me the VALIDATION at once. In your validation response., provide me with the following : 1 A description of what the money you are alleging I owe you is for. 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. 3. An explanation of who the original creditor is and when this account was the last paid to the original creditor and an originating document with a wet signature 4. Send me prof that the statute of limitations on the account has not expired. 5. Include your license number ( all of them ). and your registered agent 's information. Immediately cease reporting of this account during this validation period in accordance with the law and make no further attempts to contact me regarding this account other than to notify me of your error by regular postal mail. If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this immediately.
Consumer complaint received 2022-11-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC. (CA)

There are 9 student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also 2 student loan collections reporting to XXXX in error. 

XXXX XXXX has deleted all of the student loan collections. 
XXXX hasnt deleted any of them. 
XXXX has deleted all but two of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.