davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Early Warning Services, LLC (CA)

To whom it may concern, My name is XXXX XXXX, there is a creditor on my EarlyWarningSolutions report that is reporting me for an account that claims to be a charge off and I never signed or had any connection with this debt collector. The confirmation number is XXXX, this account also states I am responsible for a reversal fee of {$370.00} which I was never informed of, this account also lists a phone number which has ever been registered to me as XXXX which is an error. I believe the right thing to do because this account is reported in error that it should not continue to stay on my credit reports anywhere as well as Early Warning Solutions and should be removed immediately.
Consumer complaint received 2017-10-22
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (MS)

REVERSE MORTGAGE SOLUTIONS IN XXXX TEXAS, XXXX N.C, HAS ADVERTISED OUR HOME TO BE FORECLOSE ON XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MS , XXXX AND XXXX XXXX// THET SAID WE DID NOT SEND CERYIFICANT OF OCCUPANCY LETTER, AND PROFF OF RESIDENCY BY WATER AND LIGHT BILLS/HAVE LIVED IN THI HOME SINCE XX/XX/XXXX/HAVE FAXED DOCS 6 TIMES, MAILED LETTER 2 TIMES/ DIFFERENT CASLLS SAY THEY DID NOT RECEIVE THEM, OR WRING FAXES, OR WRONG ADDRESSES/TIME IS UP/MUST HAVE PROOF FORECLUSYRE HAS BEEN CANCELED, STOPPED/XX/XX/XXXX/XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS ,XXXX//EVEN GOT ANOTHER LETTER FROM RMS ASKING FOR CERTF OF OCCUPANCY LETTER/GETTING XXXX XXXX AROUND AND I SUSPECT FRAUD/THANKS FOR INMMEDIATE HELP ON MONDAY/XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report, as required by the Fair Credit Reporting Act. Upon contacting the bank, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. 
The unauthorized account details are as follows : XXXX XXXX XXXX XXXX XXXX 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 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

foreclosure sale date XXXX. I called wells fargo about my options to live in the home, they told me to apply for Loan Mode and re entry dept :. will decide to approve my case. I filled complete package but still wells fargo re entry dept :. told me that some of the papers they have not received. So I re fax again the same papers. wells fargo told me that during interview and re entry review process they will keep going forward with the Fore closure process and re entry dep :. will decide whether the will approve me or not and i will have no right to appeal. I also hired for help some consultant on XXXX XXXX th, XXXX and than on XXXX XXXX, XXXX Me & my family living in this house for 17 years and we all want to keep the property but we are not getting reasonable monthly mortgage. end.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$8300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-03
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)

This is an attempt to correct my XXXX, EXPERIAN, and XXXX   credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX/ XXXX : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX CARD : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX CARD : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX
Consumer complaint received 2016-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds (NC)

I am age XXXX and have been XXXX since XXXX. My parents plus loan collection ( {$250.00} ) has come out of my Social Security check monthly now for eight years. My doctor provided a letter to Stuient aid in XXXX which still has not been accepted. Please help!
Consumer complaint received 2024-02-21
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. (TX)

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.

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 2022-01-07
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

My account with Suntrust was closed over 30 days ago with all my money In it. I have not received a letter by mail and everytime I call no one can tell me whats the issue or when I will receive my money. Its not fair all my hard earned money is gone from both my checking and savings, I need to pay my bills.
Consumer complaint received 2022-08-10
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: Upstart Holdings, Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-07
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (LA)

My complaint is due to the neglect of the FCRA of 1970XX/XX/XXXXby the company XXXX in reference to my credit report. The company neglected the following two stipulations by this act.

1. Furnishers must also notify a CRA if the information is being disputed, if an account is being closed and if an account is delinquent. There are special considerations for financial institutions who must also notify the consumer within 30 days if they are sending negative information with regards to delinquent accounts to a credit reporting agency. 
2. Every collector must send you a written validation notice telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money
Consumer complaint received 2020-10-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (GA)

I financed a XXXX XXXX XXXX in XXXX, loan # ending in XXXX Vin # ending in XXXX, I was one of the victims in the improper application of XXXX XXXX added to my loan forcing me to have my car repossessed even though I maintained full coverage auto insurance as required, years later I was given a check of around {$4800.00} and {$290.00} as their for of a " Remedy '' to the situation. this small amount is nowhere close to the amount of money and hardship this whole ordeal has caused me. I was forced to turn in my car which they sold at auction, during that time I relied exclusively on my car to work as I was in a 80 % travel position, I was forced to resign my job because I was unable to get another car due to the false forced repossession of my car, this job was with XXXX a top company in the industry so this issue effectively set my career back and I have yet to recover. also around this time I was a brand new single father with no family resources living in a area where child care required me to have reliable transportation I was forced to rent cars at a high rate to be able to drop my kid off in order seek new employment. another hardship I faced for years was the negative info on my credit, a repossession due to the negligence of Wells Fargo made it difficult for me to get housing or a vehicle at a respectable interest rate. over the last 6 years this has ruined my life and I think the amount sent to me if far too small to even begin to compensate me for the XXXX I've bin through because of Wells Fargo.
Consumer complaint received 2023-01-28
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. (AL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-22
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: GREAT LAKES (CA)

[Letter # 4] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Consumer complaint received 2017-08-21
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. (TX)

XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, Experian violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that Experian will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.
Consumer complaint received 2021-09-02
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. (TX)

I sent my documentation to Equifax asking to verify the accounts reporting negative on my credit report. They keep telling me that the information is verified but they have NOT provided PROOF by way of documentation and/or my signature on contract to show that this is actually my debt.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

-Purchased a washing & dryer from Sears in XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full in XXXX XXXX -I was NEVER late and paid on time every month prior to the payoff -The washer has had 17 repair appointments -The washer is currently not working -The washer is still under warranty -Sears is reporting me paying late ONE time in XXXX XXXX -I have contacted Sears executive office three different times -I have was treated with disrespect and Sears has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the Sears rep with a negative racial stereotype
Consumer complaint received 2017-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

On XXXX XXXX I reported unauthorized transactions on my credit card account number ending in XXXX with XXXX XXXX XXXX Per usual they advised me that they cancelled the card and entered a request to dispute charges. I declined to getting a replacement card sent because the card was initially stolen from my mailbox when Citibank mailed me a card that was already activated making it easier for someone to use the card. After a week and half of not hearing back from Citibank I decided to give them a call and follow up on the claims, and also on a credit alert that I had received regarding the account, only to be told that the claims were never inputed, they also pressured me into getting a card deliver by giving me the option of sending the card to a different address or sending it to my address on file but this time instead of sending it pre-activated that they would send it not activated, so I said yes and regarding the credit alert I told them the alert said I had closed the account. They advised me that it was because the old credit card account was closed but a new one was open for which they were getting ready to send me a card. I even received emails regarding the replacement card being on its way, and to notify authorized users that the account number had changed. Again they advised me to wait for the card in the mail. 

A few days later, I heard back from the claims that they were honored and the charges were reimbursed. However, two weeks went by and I had n't receive the card so I started getting worry thinking maybe it was stolen again. Therefore, I got on the phone with Citibank to find out that there was never a card being send to me because the account was actually closed off and that if I needed to reopen the account that they needed to pull my credit and caused me an inquiry on my report. 

Not only did Citibank closed my account improperly, the employee during my second call around this incident lied to me or gave me false information when she " reassured me '' that the account was n't closed and that the cards were on its way. This card was also one of my oldest credit cards and having the credit history of this account removed from my credit has affected me terribly. This mistake by Citibank and its employees cost me a declined in credit score. Citibank refused to open the card unless I gave them authorization to pull my credit which I opposed to because that would only affect my credit even more and it was one of their employees that made a mistake, I never requested for the account to be close. In fact, if conversations are really recorded you will find proof in my initial conversation with the bank that I was not requesting the account to be closed, because the representative did you that terminology. Therefore, to clarify, I stated that I was requesting for the card to be cancelled and not the actual credit card account and the individual seemed to understand. 

Citibank refuses to take any responsibility for the issue.
Consumer complaint received 2017-06-30
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: Byrider Franchising, LLC (FL)

I opened a loan with cnacXXXX on XX/XX/XXXX and I have recent inquiries only credit dated XX/XX/XXXX and XX/XX/XXXX I need those removed off my credit report being that I did not authorize this company to pull my credit report after XX/XX/XXXX
Consumer complaint received 2021-09-07
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. (TX)

I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.
Consumer complaint received 2017-10-22
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: NCB Management Services Inc. (TX)

XXXX and NCB MANAGEMENT SERVICES, INCXXXX Are in violation of my rights as set forth by hippa and cra. They say I have an account with them, but I never opened an account with them. When I used this site to let them know that it is ID theft. Neither company removed the items from my credit report. XXXX says they no longer own the account so they ca n't remove it, and NCB says it is my account, and refuses to remove it. It is not my account. These items need to be removed immediately.
Consumer complaint received 2017-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC (FL)

On XXXX XXXX XXXX I received a letter dated on XXXX XXXX XXXX Voss and Klein LLC for a debt that I do not know anything about. Their client is XXXX XXXX XXXX XXXX which they were the property managers of the old address that I used to reside. I had to answer to court and I paid all that was owed to the clerk of courts. I left that property in great condition and I moved elsewhere. There I received this harassing letter months later that I was supposed to pay off within XXXX XXXX XXXX. There is no way possible I owe that much money because I am an honest person.
Consumer complaint received 2017-08-21
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: Source Receivables Management LLC (TX)

The XXXX account was removed from my credit file. The company Source Receivables Management has reinserted the the account back to my credit file with a new open date. Which is a violation. Also i am supposed to be giving a 5 day notice which i was not giving which a direct violation of the FCR law