davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TomoCredit Inc. (FL)

I have been disputing this debt since XX/XX/2023. This debt has negatively impacted my credit for months and nothing is being done. I have contacted the company over and over and nothing is being done. Please help get this removed from my credit.
Consumer complaint received 2023-03-20
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. (LA)

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 # XXXX, XXXX XXXX XXXX XXXX # 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.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I been trying to dispute an account with Equifax and they refuse to give me an update the account is not mine and the three other agencies have removed the account from my credit report except Equifax. You'll have better luck taking to a brick wall instead of these people. 

The account that's questionable is XXXX credit auto that was open on XX/XX/2016. 

Again that account is not mine but they refuse to give me any information simply because I can't remember old accounts that I had when I was younger.
Consumer complaint received 2023-08-19
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. (MA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2019-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

I never received a mail notice that I could dispute the debt of {$67.00}. The original creditor is XXXX XXXX XXXX. I received a phone call about the debt from SW Credit Systems L.P. and I told the agency I would like to verify the debt as I did not believe I owed the debt and I never received any notice about the debt prior to the phone call. Then I sent the agency a letter requesting verification of the debt. But I never received the verification. I checked on my credit history and they have reported it to XXXX. 

The agency is : SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-03-20
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX/ XXXX XXXX XXXX AND XXXX XXXX # 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 1681q Obtaining information under false pretenses shall be fined under title 18 and imprisoned for not more then 2 years, or both. Failure to remove these accounts within the next 4 days upon receiving these receipt. Will be put on notice of a law suit that within my rights.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Financial Services XXXX Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

Toyota Financial had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in Toyota & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.
Consumer complaint received 2018-09-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

I work in XXXX for the XXXX, I'm a XXXX vet. Bank of America BoA has charged me late fees and has sent negative information to credit rating companies, 30 day delinquency on only late fees due to BoA issue in XX/XX/XXXX. I have requested correction and have been declined. The irony is the late fees that was past due was because BoA sent my XXXX payment to principle only. The 30 day pass due on my credit report is from late fees that I had waved. I have been working with BoA ( one of many ref # XXXX ) calling from XXXX a few times a month correcting numerous issues since XX/XX/XXXX ( new XXXX insurance, BoA was caught in a lie on the phone ). BoA has declined to correct, I used XXXX case # XXXX same BoA declined. BoA will not admit problem with computer system. Bottom line XX/XX/XXXX my mortgage went to only principal, my payment for XXXX posted for XXXX XX/XX/XXXX when my payment was received on the XXXX for XX/XX/XXXX it only went to principal. I pay every month on the XXXX for that past 15 years no issues. BoA won't tell me what happened written or verbal. They have told me every month when I call there is a problem. I had most late fee waved, I paid a few to correct and stop reporting pass due paymenst but every month the same thing. I have a stack of documents and notes I can send to help if needed.
Consumer complaint received 2019-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

Due to divorce, I fell behind on my mortgage payments. I was given a reinstatement quote and deadline. I paid the quote before the deadline and informed the trustee attorney via email and telephone with evidence of confirmed payment on time. I was ignored. I then kept paying the mortgage monthly but they kept sending back the payments and kept giving new reinstatement quotes with {$5000.00} to {$8000.00} dollar fees every month. I continue to pay the mortgage and communicate with Ditech and they only send me more fees. Although they acknowledge the $ 18,000+ in my account unapplied to the mortgage, the foreclosure date comes closer and my XXXX children and I need a home. I only want to pay what I owe and have a place for my children.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JP RECOVERY SERVICES, INC. (OH)

I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX XXXX XXXX # XXXX, and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. 
Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX and XXXX XXXX are not entitled to enforce a claim against me.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX 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
Consumer complaint received 2019-05-27
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. (HI)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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. (CA)

I am writing to dispute the following information that XXXX XXXX provided to Experian and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This XXXX XXXX account opened XX/XX/ 2017 is inaccurate because Its not in collections, it has a XXXX balance and has not been active in quite some time. This needs to be removed from collections section on my credit report. 

I am requesting that XXXX XXXX have the inaccurate information removed from the my credit report. Enclosed are copies of of my credit report with the account in question supporting my position. 

Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item as soon as possible.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OH)

Experian Credit Reporting Agency continues to report inaccurate and false account information from both XXXX XXXX XXXX and XXXX XXXX that I have repeatedly and desperately trying to have removed and completely deleted based on the numerous and legally binding documentation that I have submitted to XXXX the creditors and Experian proving that I was a victim of Identity theft in 2014. I had a credit fraud alert in place at the time that these accounts were opened fraudulently and without my written or verbal authorization. I was told by the representative at Experian that although it is advised for they credit companies to verify with anyone who has a fraud alert in place with any activity associated with their person and private information. " They are not obligated to do so, its not the law ''. Therefore I feel as Experian is violating my consumer rights to report accurate information by continuing to report that these accounts are in collections and XXXX past due without proving that this is accurate. I have PROVED over and over again that I not only did not open any of the accounts that I am disputing, I did not live at the addresses they have provided Experian, and I have far beyond provided multiple forms of documentation proving this. The companies that Expieran is reporting information have not provided me nor them with ANY documentation or proof that I was the personal initiating any accounts with these companies. They continue to deny my request for a verbal or signed consent from me to be able to continue to ruin my life with the inability to qualify for a home loan and now I have been denied for financial aid for my son 's tuition to attend school next year. PLEASE HELP
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

Last XXXX of XXXX RE : XXXX XXXX 've previously requested my credit report from you & I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXXPlease tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WI)

Me and my husband deposited {$1600.00} cash to Wells Fargo ATM ( XXXX XXXX XXXX XXXX, Wisconsin location ) XXXX on XX/XX/XXXX XXXX. 
After put all 30 bills ( {$100.00}, {$50.00}, {$20.00} ) screen said error occurred and gave us {$0.00} receipt, and it said no action needed. 
But I claimed next morning because I didn't get that money I got {$0.00} only. 
After 1month later Wells Fargo deposited to my business account temporary deposit {$1500.00}, but they sent me letter another 1month later couldn't find {$1500.00} but found {$60.00} only and they took {$1500.00} from my account. 
I claimed two times but the final letter said Wells Fargo bank couldn't find any extra money and closed case. 
I talked to one of research associate and she said there was no extra money and no error and any malfunction on ATM at that time. I asked her I want you to prove that, but she said case closed. 
But when i talked to ATM claim department for my first claim he said that ATM was jammed at that time. 
She lied. 
That money for my business account. 
( customer 's phone bills ). 
We did cash deposit once a every week after work to same location ATM about same or more amount. 
I don't know where can I ask help. 
Please help me to find my money. 
Please help..
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2700.00}
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NH)

These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the  Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
Consumer complaint received 2023-03-20
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. (CA)

When I reviewed my credit report, I discovered that the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX {$400000.00}
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

My husband and I are attempting to build a home. In the process of applying for a mortgage using my VA benefits, we were informed on XX/XX/XXXX that I did not qualify due to late payments reported by Navient. XX/XX/XXXX I applied for a year forbearance. I was a stay at home mom with no income and my husband was on XXXX XXXX for the XXXX. I spoke with someone over the phone and was assured I would have my forbearance started. XX/XX/XXXX I became pregnant with our second child and was put on bedrest intermittently due to a severe clotting disorder and hyperemesis. I again contacted Navient to verify that the forbearance was in effect and was told it was. I was very upset when I found out that XX/XX/XXXX and XX/XX/XXXX were reported as missed payments. I reached out to Navient 's customer advocate with the information and screenshots and was sent a template response stating to contact the individual consumer reporting agency to remove the information in question. I also discovered today that I do not have access to any documents from before XX/XX/XXXXon the Navient portal.