davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My information was sold and bought illegally because i was a victim of the XXXX data breach 1. my name is wrong or exaggerated under all 3 bureaus.

2. there are erroneous mailing addresses ive never lived at.

3. there is a social under transunion ive never seen 4. there is a giant list of phone numbers that have never belonged to me. 

there are SEVERAL XXXX dollars that i never authorized nor signed to open accounts with : I am not liable for these debts with XXXX I do not have a contract with XXXX. They did not provide me with the contract as requested for the following 1. XXXX acct XXXX with {$6500.00} in unauthorized charges US CODE 1681 I am not liable for these debts with XXXX XXXX XXXX. they do not have a contract with me as i have requested they provide for the following : 1. XXXXXXXX XXXX acct XXXX {$5800.00} in unauthorized charges US CODE 1681 i am not liable for these debts with XXXX XXXX XXXX : 1. XXXXXXXX XXXX acct XXXX {$5000.00} in unauthorized charges US CODE 1681 2. XXXXXXXX XXXX acct XXXX {$880.00} in unauthorized charges XXXX CODE 1681 3. XXXX acct XXXX {$2700.00} in unauthorized charges US CODE 1681 4. XXXX XXXX XXXX  acct XXXX {$1000.00} in unauthorized charges US CODE 1681 5. XXXXXXXX XXXX XXXX  acct XXXX {$2300.00} in unauthorized charges US CODE XXXX 6. XXXX XXXX XXXX XXXX acct XXXX {$1000.00} in duplicate account charges XXXX XXXX XXXX 7XXXX  XXXX XXXXXXXX acct XXXX {$580.00} in unauthorized charges US Code 1681 XXXX XXXX acct XXXX with {$1400.00} in unauthorized charges US Code 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$900.00} in unauthorized charges My information was compromised in the XXXX XXXX breach XXXX claim number XXXX  - and several of my accounts were sold illegally, and unauthorized charged were charged on my accounts. And my information has been confirmed as being on the dark web thank you for your assistance in this matter as well as your time and patience
Consumer complaint received 2019-02-27
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: Experian Information Solutions Inc. (FL)

XXXX XXXX has fraudently, illegally and intentionally reported erroneous information to Experian. I contracted a lease agreement with XXXX XXXX in XX/XX/XXXX for amount of XXXX. The account number is XXXX When I disputed an error reported to Experian Credit bureau , XXXX XXXX maliciously changed the contracted lease amount from XXXX To XXXX. Also XXXX XXXX keeps changing the Late date referencing a 30 day late so it can continue to reflect on my credit report. Ive included a correspondence showing what XXXX reported to EXPERIAN in XXXX and now XXXX XXXX XXXX is reporting a different contracted lease amount as well as a new XXXX date referencing when the payment was 30 days late. Im requesting XXXX to report the lease amount of XXXX, XXXX that I contracted to and report truthfully that this 30 day late is more then 7 years old and needs to be deleted off my EXPERIAN CREDIT REPORT. Dont let XXXX XXXX get away with changing loan terms 7 years later. Dont let XXXX XXXX get away with erroneous reporting well beyond legal statue limitations.
Consumer complaint received 2015-08-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (TX)

I was laid off for a while but continuously asked for a deferment every time I asked they gave me an amount to pay not working i could not pay it then i found XXXX called for a deferment they said no I needed to pay a FULL PAYMENT paid it via XXXX XXXX and then called back and said no deferment available because I could pay a full payment. Continued to call over a period of weeks and was told again pay this smaller amount {$300.00} and I could get a deferment then ask to speak with manager and wanted a guarantee I would get a deferment advised no guarantee so i did not pay i was not working had no income had to pay for rent and food for my children then i found work had to wait 3 weeks to get paid called again for a deferment but manager advise no we do not offer deferments anymore at this time just make my payments they have such deceptive practices they lie all the time offering assistance then changing their mind when a customer makes their payment. They are rude and abusive on the phone when they do n't hear what they want. they should be investigated at a lll cost.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Dear Sir or Madam : I have reported this ongoing racket and scheme designed to socio-economically control a subject and plaintiff XXXX XXXX XXXX via electronic and physical means. This scheme has been designed and perpetrated against XXXX using his unwarranted invasion of privacy and unfettered access to XXXX 's information electronically stored within servers and on the cloud in XXXX and XXXX where these racketeers constructed, engineered and deployed a sophisticated XXXX that and electronic collection and distribution of his data through XXXX  and a number of individuals from XXXX XXXX NY and other districts whom have been in charge of his socio economic control and linked to his identity. Plaintiff XXXX has discovered a scheme where his FICO score and on the three bureau credit bureaus are being manipulated and divided amongst several participants with access to XXXX whom. XXXX discovered that his Equifax credit score is being reported inaccurately on the XXXX XXXX as XXXX. When XXXX logged into his Equifax account his FICO Score was listed as XXXX. Plaintiff XXXX has filed a lawsuit XXXX to no avail as this scheme is a necessity to a number of rat hos and their law enforcement handlers. They have control of my laptops cell phones and any other method of communications and will only allow me to meet my own credit goals and access to my information as they require.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

Issue Incorrect information on my credit report : Account terms Describe what happened so we can understand the issue ... 
I have contacted Experian in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items and collections accounts on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2018-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation (VA)

I disputer this collection, because this was not submitted to them sooner. 
XXXX the company they claim I owe the debt to. XXXX have not notify me of any debt.
Consumer complaint received 2016-01-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (CA)

Aargon Agency Inc XXXX XXXX XXXX XXXX XXXX XXXX, Nevada United States of America Out of nowhere, Aargon Agency put on my XXXX credit report that I was in collections for {$450.00}. I have never received any notification from Aargon. It seems like they are targeting people who have bad credit and just putting non-existing debt on them. See link http : XXXX
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NC)

i keep receiving calls to my cellphone from a scam debt collector. 

They have called XXXX or XXXX times now. They imply they are debt collectors, but when asked who they are trying to collect for, the woman said we work for XXXX of clients, a nd started asking for my birth date. I told them I do not owe any outstanding debts and stop calling.I hung up. The calls sound like they come from a call center. The # used is XXXX.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello yes contacted TransUnion do to unrecognized inquires due to there misreporting And their customer service would not help and take care of the negative inquiries reporting to my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2015-09-11
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Flagstar Bank, National Association (TX)

New York Community Bank - Avoid them if you can. 
In XXXX, I had a water leak in my home which ruined flooring and cabinets in my kitchen and leaked into the room below XXXX my kitchen is on the second floor ). My insurance company dealt very satisfactorily with the claim and agreed to all the repairs that were needed. They sent me a two-party check for over $ 16K, made out to me and New York Community Bank XXXX my mortgage company ). I mailed the check plus other documentation to New York Community Bank on XXXX XXXX - and have yet to receive any release of funds. I had to pay 90 % of the cost of new kitchen cabinets in advance ( they took XXXX weeks from time of ordering ), which is standard practice. All the kitchen cabinet places I got estimates from said they expected 90 % of the cost upfront. My cabinets have been installed and I 've paid for them in full. I 've also paid for repair to my downstairs room, plus some repair in my kitchen. I 've sent receipts, waiver of lien, contractor taxpayer ID to New York Community Bank. New York Community Bank sent an Inspector to my home to report on the repairs. It took the inspecting company XXXX days to submit the report to New York Community Bank, which states that 70 % of the work has been completed. Every time I call to request a status on payment back to me, there is some excuse not to send me a check for the money I 've already paid. There is either missing paperwork, or an exception has to be put in since I 've already paid for the repairs, and their check to me needs to be made out to me only ( not to me and my contractor ). 
I 'm at my wits end dealing with New York Community Bank. I 'm trying to find out the email address of their CEO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tell him of my disastrous experience. I have a legitimate insurance claim, fully approved, and New York Community Bank expects me to pay for my repairs without sending me any funding. I now have interest owing on my credit card all due to New York Community Bank 's refusal to release my own funds to me. I 'm unable to get my floors repaired and sink replaced as I 've run out of my own money and need my funds in order to complete the work. It 's as if New York Community Bank expect me to personally fund all the repairs, no matter what hardship this causes me - and then they 'll reimburse me, at some stage, when 100 % of the work is completed. MY understanding is that the insurance approved the claim and provided the money to FUND the repairs - it should not be a REFUND. New York Community Bank shows no concern over the fact that I can not use my kitchen, and the huge inconvenience I and my family have to go through each day. I am current on my mortgage payments ( never been late with a payment ). Yet New York Community Bank have been holding my funds for over XXXX days, with no status as to when they 'll release even a portion of them. 
I would not recommend New York Community Bank to anyone based on my experience.
Consumer complaint received 2016-07-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (TX)

Several attempts were made by me to request Validation of debt on account reported on my credit report by Pinnacle Credit Services. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. There is a required 30 day response time which has not been met.
Consumer complaint received 2016-12-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MN)

In XX/XX/XXXX my wife broke her ankle and has had several surgeries and has since become XXXX due to nerve damage which has caused XXXX and with that she has many medical appointments in which needs my assistance at home to tend to her daily cares. I had to quit my career as a electrician to be at home to help her with the daily activities and many doctors appointments for ongoing treatment of XXXX and for this there is no cure so it is extremely difficult to know how she will be able to tolerate the excruciating pain. I have usually had good credit in the past and due to my wife 's circumstances I have no choice but to let my credit be less of a priority and focus on my wife and this is someone that I have been married to for over 25 years. I am in hopes of your understanding of my situation and if I could of continued to make my credit a priority I certainly would have. I am sorry for telling my whole story here but this is what happened and I hope someday you may see how XXXX affects somebody 's way of life. I have one notice that I received for this so called debt that is said to be my responsibility and that was XX/XX/XXXX to appear in conciliation court XX/XX/XXXX, other than this I have not been sent any letter from the. Thank You for taking your time to read my letter
Consumer complaint received 2016-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

I have fallen behind on Chase Mortgage due to expenses incurred from Hurricane XXXX, XXXX XXXX Expenses, Unexpected Legal Bills resulting in temporary Income Reduction. I have applied several times thru Chase for Loan Modification, but keep getting rejected for different reasons. 1 Reason was that since my mortgage was 30 days behing when Hurricane XXXX hit ; I was in-eligible. I dispute this. 2nd Reason was that my income & mortgage expense did not meet guidelines. 3rd Reason was that I did not qualify for HOPE Tier XXXX since there was too much equity in home even though the Chase Real Estate estimate showed that the Home Value was lower than mortgage owed. They acknowledge Hardship, but can not offer me a modification. In addition I received a letter from Chase regarding NY State settlement that they were offering to relook at my mortgae, but they did nothing. Thru this process there have been continual error from Chase in reporting my income & mortgage expense, and on appeal they simply change the reason for denial to something else. I do not feel I have been treated consistantly or in good faith. In addition, I can pay off a max of 50 % of my late payments, but they will not accept them.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I have been attempting to close on a mortgage from HSBC for over 90 days. The bank keeps delaying the closing and charging me fees, for which full disclosures were not made, in an apparent attempt to improve the profitability of the mortgage due to HSBC delays. The loan number is XXXX.
Consumer complaint received 2016-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Recovery Services LLC (OH)

This company has left multiple messages stating that they 'll sue me for a debt. They left no file or reference number, and the one time I spoke to someone, I requested proof of the debt and have yet to receive anything. And states that they could n't do that until they receive a payment. I feel like this is a scam.
Consumer complaint received 2022-09-06
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 — Problem with personal statement of dispute
Company: Persolve, LLC - Legal - Series 2 (IL)

To whom it may concern I am writing because I have a account on my credit from PERSOLVE acct number XXXX I have disputed this acct it came back verified and I am requesting information to be sent to me on how it was verified if that can not be provided to me i am requesting that this be deleted immediately. 
15 U.S. Code 1692g - Validation of debts Failure to send the consumer a written notice of the debt
Consumer complaint received 2022-02-15
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. (TN)

On XX/XX/XXXX, I sent a letter to Experian via certified mail asking them to provide their method of verification for the XXXX  XXXX Bankruptcy they are reporting on my credit report. They did not respond. I sent another letter via certified mail on XX/XX/XXXX reminding them of my attempts to get this matter reinvestigated. Because they would not respond timely, I filed a complaint with you ( Consumer Financial Protection Bureau ). Complaint # XXXX. You forwarded the complaint to Experian, they responded back by stating the summaries that they had indeed sent me on dates back in XXXX and more recently XX/XX/XXXX. There have been recent developments since XXXX which was my reason for asking that they provide their method for verification. On XX/XX/XXXX. I received a response from Experian stating they would not reinvestigate this item unless additional information to support my claim was provided. On XX/XX/XXXX, I sent yet another letter via certified mail and I provided the additional documentation to support my claim. I should not have to continue to go round and round with them when I have provided plenty of documentation to show that the information they continue to repeatedly say verified is not accurate because XXXX XXXX whom they say verified the information is not reporting it on my credit file.
Consumer complaint received 2020-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2019-02-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I was notified by XXXX XXXX that I would be doing business with Mr. Cooper/Nationstar mortgage I paid XXXX for XXXX and XXXX mortgage. Then a email XX/XX/2019 that Mr cooper took XXXX and  applied it to insurance without my permission. I notified them to tell them i sent check for insurance myself and they needed to get my Permission to apply money to insurance when im paying it myself. I dont like there tactics they waited until three days before due date to send me the information which i think is very sneaky
Consumer complaint received 2016-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp (NY)

Hello my name is XXXX XXXX, I can be reached at XXXX. I would like to file a complaint with this agency regarding my experience with the XXXX XXXX program. I was told my student loans will be paid off in full and was charged a fee of {$1300.00} to their third party vender Equitable Acceptance. After contacting and speaking with representative from Ombudsman group through the FAFSA program I was informed that my loans were in fact not paid off and my loans were only consolidated and the services can be completed for no charge, has they believed I was scammed by the XXXX program.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

COMENITYBANK/VICTORIASSECRET failed to give me proper validation of this debt. 

I mailed COMENITYBANK/VICTORIASSECRET a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (TX)

My account balance w as discharged i n  a Chapter   XXXX   Case  #  XXXX  filed   XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX .  To date the financial institution has continued to report my account negative to    XXXX   XXXX  . I w as granted relief from this debt and I want the account removed from   XXXX   XXXX   immediately.