davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

In XXXX, we obtained a loan in the approximate amount of {$260000.00} through XXXX XXXX XXXX secured by our principal residence at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. From loan inception until sometime in XXXX, the loan was serviced by XXXX XXXX. We set up auto-pay through XXXX XXXX XXXX  paying : {$2200.00} ( principal and interest of {$170000.00}, plus {$500.00} additional principal ), then in XXXX, {$2500.00} ( principal and interest of {$170000.00}, plus {$700.00} additional principal ), then in XX/XX/XXXX, {$3000.00} ( principal and interest of {$170000.00}, plus {$1200.00} additional principal ). 

In XXXX, NewRez took over as the loan servicer. Instead of applying the additional as principal pay-down, NewRez applied the additional principal payments towards future loan payments due. In XX/XX/XXXX, I noted the next payment was not due until XX/XX/XXXX. I immediately contacted NewRez explained the situation and was assured it would be handled. Email dated XX/XX/XXXX from NewRez attached. 

Unfortunately, it was not handled. NewRez did not auto pay itself for XXXX. 

XXXX XXXX has a credit score service that allows members to check your credit scores periodically. Our credit score went from XXXX in XXXX and XXXX in XXXX to XXXX in XXXX. It has taken us our entire working lives to build a XXXX XXXX of XXXX. According to the credit report, there is only one reason for the credit score to a fallen XXXX points. 

I have contacted NewRez on two occasions. On each occasion the NewRez representative acknowledged the error and advise that it would correct the information to the credit reporting agencies. NewRez has done nothing in terms of submitting any information to the credit reporting agencies.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

Contact Wakefield & Associate on XX/XX/2019 about a medical debt that's on my credit report I am formed them that it was not mine I have medical insurance. I asked them to send me the HIPAA release form in any information with my signature on it. they refuse to remove it off my credit report and refuse to send me the HIPAA release form.
Consumer complaint received 2022-10-15
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. (NC)

In accordance with the Fair Credit Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX # XXXX, 2. XXXX Account Systems # XXXX ( does not have all the account numbers ) and has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( XXXX Account Systems has violated my right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2.It also states a consumer reporting agency can nor furnish an account without my written instructions.

15 U.S. C 1681 c. ( 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 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-16
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

It is showing 3 XXXX XXXX XXXX accounts on Chexsystem and one even shows the wrong social security number I have disputed these and they still remain on my record I have contacted XXXX XXXX XXXX they have sent me information showing accounts at addresses that I never lived at they show my social security number but they dont belong to me
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (PA)

I mailed a dispute letter to three collection bureaus about this debt and collection agency on XX/XX/19 by certified mail. The debt came back as validated. I then reached out to the collection company directly by mail stating this is a duplicate account as the debt is also being collected by another vendor. I asked them to research it, provide proof this debt is mine, prove it is valid, and prove they have the legal authority to collect. This letter was mailed by certified mail on XX/XX/19. I received a letter on XX/XX/19 stating that my dispute is closed and XXXX XXXX XXXX said my dispute was " invalid ''. No additional information or proof the debt is mine or they are the correct collection agency was included. I called their toll free number at XXXX on XX/XX/19. I again explained two collection agencies were trying to collect the same debt and I needed some proof of who to pay. I spoke with a Mr. XXXX XXXX who failed to provide me any data. He refused to send me anything saying they were authorized to collect the debt or that the debt was even mine. I asked if I paid the other vendor will they stop collecting and he refused to answer. As I consumer I deserve to have proof the debt is legitimate and which collection agency I should be paying. He did not let me speak or leave a message for his supervisor, Mr. XXXX XXXX.
Consumer complaint received 2019-07-16
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)

XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$1700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account does not belong to me. I have contacted XXXX to resolve this issue and the representative I spoke with could not locate this account nor any account with my information. I asked the representative to please remove this account however, no action has been taken, nor have they contacted the bureaus to have this line item removed from my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted.
Consumer complaint received 2023-03-25
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX I XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DriveTime (PA)

The company drive time repossessed the car in 2016, removed it from my credit report for over 5 years and then just put it back on 8 years later. I attached the contract and will continue monitoring this company before proceeding legally in 30 days from today
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

XX/XX/19Called Specialized Loan Servicing regarding my escrow/tax account. I called to inform them that I disputed my taxes and I won my dispute and that my tax amount was significantly changed. In addition I explained that the new analysis that I received in the mail on XX/XX/19 from the mortgage company showing that my escrow account is short due to increase in taxes. I explained that per XXXX County Tax Appraisal District that the new analysis would be sent out at the end of XX/XX/XXXX or sometime in XX/XX/2019. The  customer service representative whom I was speaking to was unable to assist me therefore she transferred to the tax department in which I spoke with a different rep who stated that my credit score would be impacted and late fees would be added to my account if I did not pay the extra $ 200+ /monthly increase starting XX/XX/2019. I re-explained the above to this rep as well as advised her that I was just notified of the change onXX/XX/19. The rep stated I am not sure why it took so long for you to receive he notification because it was completed in XX/XX/2019. I asked to speak with a manager named XXXX ID # XXXX as I was trying to explain the above she cut me off and said true you will receive late fees and your credit score will be impacted. I asked if there was someone else for me to speak with another manager who was over her and she stated that there was no one else for me to speak with. I asked who her manager or reporting supervisor was and she stated XXXX I asked if I could speak with him she said no. Then I asked to XXXX for a telephone number and an address for the Consumer Hotline for complaints for Specialized Loan Servicing she kept saying how can I help you how can I help you. Then she I have to place you on hold, she left me on hold for over 10 mins and gives me the same telephone number that I called her on and the PO Box address from my billing statement. She begin to verbally attack me during the call and I finally had a enough and told her that she needed to obtain better customer service skills and hung up.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

I opened American Express XXXX XXXXXXXX XXXX card in XXXX. Since then, I clearly met the minimum spending requirement well ahead of the 90 day period ( {$3000.00} ) and have spent {$200.00} at home furnishing stores. The advertised promotional sign up bonus was XXXX XXXX XXXX + {$200.00} credit back for the purchase I made at XXXX XXXX. The agent confirmed that I am eligible to receive the offer when I inquire the timing of the offer, but later changed their stance stating that I was never eligible for the offer and stated that I consented to it. Which is not the case. I opened up an investigation and received another, yet same result that I was never eligible to received the offer on XX/XX/2021, again which I never consented to and the agent was able to confirm it at one point. Fraudulent practice.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My XXXX  loans were transferred from XXXX to XXXX in XXXX of XXXX. A year later, the XXXX accounts are still showing as open on my credit reports resulting in double the amount of loans on my report than I truly have. I have emailed XXXX to get this resolved with no response to them. I filed a dispute with experian regarding the loans on XX/XX/XXXX. However, the disputes were closed on XX/XX/XXXX and the loans left open on my credit report. XXXX has had a year to make this right and they have not. This negatively affects my credit.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

YOUR COMPLAINT I am filing a complaint against XXXX, Transunion, and XXXX XXXX XXXX XXXX. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. Please let me know if you have any questions. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these things off my credit report they do not belong to me. Highest Regards, XXXX XXXX XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mercedes Benz Financial Services (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2021 deragatory information provided. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. 

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. 

It would be ideal if you provide me with teh following : * What the money you say I owe is for : XXXX Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was checking my credit report because I want to get a new car and wanted to know my chances of getting approved. while checking I notice some items that were still on my credit that I did not approve of. I have reaced out to the FTC and to my local police department. I am doing this all on my own. Again these items are not mine and I need them removed from my credit report.XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-04-19
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: REGIONS FINANCIAL CORPORATION (FL)

I was affected by the Pandemic and they offered me moratoriums and then they affected my credit. I have never stopped paying and have continued to pay as agreed after the moratoriums. The companies do not correct my credit even if they have sent proof of payment.
Consumer complaint received 2019-07-16
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)

I was checking my credit report because I want to get a new car and wanted to know my chances of getting approved. while checking I notice some items that were still on my credit that I did not approve of. I have reaced out to the FTC and to my local police department. I am doing this all on my own. Again these items are not mine and I need them removed from my credit report.XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Union Adjustment Company, Inc. (ID)

I am exempt under the federal laws protecting XXXX veterans. This company had a change to collect the fees for the hospital bills via my VA XXXX Veterans Administration XXXX health insurance and it did not provide enough information to the VA in a timely manner and now they are trying to collect from me and ruining my personal credit, even though I am exempt from their levy 's and liens and process thereof. I sent them the Federal laws, Title 38 Part IV chapter 53 section 5301a, b, c, d and they still continue to harass me by not stopping the collection procedures. They know that they can never collect this debt, but they said that they would continue to report and collect until someday I pay, they say it is a debt my kids will have to pay. I gave the hospital personnel all the information I had on me at the time and the information I had access to at the time. They seem to think I can call the VA and make them pay. I can not do that and I told them many times. I think this is a third-party debt from one of the doctors and he did not collect from the VA properly.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (MS)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 deragatory information provided. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. 

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. 

It would be ideal if you provide me with teh following : * What the money you say I owe is for : XXXX Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :