davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have been disputing two accounts on my credit report that do not belong to me. I have been disputing both accounts with all three bureaus as well as the two reporting creditors with no response to my request. These account do not belong to me, and I have been disputing them for more then a year. I want these accounts removed from my credit report asap.
Consumer complaint received 2022-02-15
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. (MD)

I have included in this complaint a photocopy of the account in question. NelNet  is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.
Consumer complaint received 2016-08-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MI)

Creditor sued me and served/posted the documentation for the court date at the wrong address. When I contacted them to speak with them about the issue, I was told there was nothing I could do. They have been collecting from me for four years and did not stop after the consent decree was entered
Consumer complaint received 2015-05-14
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (DE)

Purchased a money order to pay my rent. Landlord returned money order stamped " REFER TO MAKER ''. Contacted Western Union who stated that money order was cashed. I sent paperwork to Western Union to have money order traced on XXXX/XXXX/2015. Have not heard anything from them.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX is reporting a collection for a timeshare that has been paid off for years. I never stayed there, paid all my maintenance fees up to the time I told the company they could have it back and sell it to someone else!!!
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (KY)

I have requested My Mortgage Company to start reporting my Payment History, After a Chapter XXXX Bankruptcy, which was discharged 2 years ago, they have not reported to the Credit Bureau, Now I am attempting to refinance this House at a much lower rate, but the Finance can not see my credit history on this house. I can not afford this house at the current payment, since I 'm now Divorced since XX/XX/2016. I 'm just wanting them to report this information so I can have this refinance to go through. HSBC has sent my report to me in paper form for the past 2 years, but the refinance company is requesting it be reported.
Consumer complaint received 2015-04-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Midway Resolution Services LLC (MI)

I have been contacted by several phone numbers that come up in google scam complaints as XXXX XXXX they call me excessively with recorded messages for months that I have fraud charges against me and will be receiving a subpoena. I phoned back with an attorney and all they would tell us is that it 's a XXXX XXXX from like 2010 (? ) for like XXXX. I have never had a XXXX XXXX and have never received any notice about this in the mail. They told my lawyer they would see me in court yet I still have never gotten any subpoena and they continue to call from various phone numbers with recorded messages.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY (FL)

American express serve is committing Fraud for personal gain.XXXX 2016 I made a purchase from XXXX in the amount of XXXX and change XXXX did not have the items in stock so XXXX immediately cancel the transaction on XXXX XXXX 2016. Every since XXXX cancel this order my bank has be refusing to release my fund back into my available balance for fraudulent purposes and give different dates when fund will be available due to the fact they fear liabilities and do n't trust they customers XXXX XXXX 2016 the same situation occurred and fund got released on the XXXX of XXXX 2016 after merchant verbally told American express they will not collect the fund and put the funds back in customer account but American express refuse due to fraudulent purposes and again with lady ft locker. American express is now changing the time frame from XXXX 8 days regarding my XXXX purchase which was not in stock to release my funds when there a history of 7 days before they release my funds on a cancel transaction. American express serve is Committing fraud and I seek relief
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (PA)

SouthWest Credit Systems, LP placed an account on my creit file without notifying me. I advised them in my previous dispute that their in violation of the early-warning notice clause of FACTA section 623 ( A ) ( XXXX ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. if the creditor or collection agency refuse to remove the incorrect information they are in violation of FACTA section 623 ( A ) ( 7 ).
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

a leasing agreement was opened under my social security and name with XXXX in XXXX. XXXX payment was made and the account was considered abandoned. They continue to report that this account is " open '' on my credit report when the account should have been sent to collections and closed after all these years. I want the account sent to collections and closed. No payment has been made since XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (ND)

I have a XXXX XXXXt and XXXX  issues. XXXX  in general in difficult, I find using the phone to be debilitating due to the XXXX  issues. I had contracted XXXX after XXXX and was out of work, without pay, for two weeks. The mortgage was transferred to Mr. Cooper in XXXX. The XXXX caused me to miss my first payment with Mr. Cooper. Other than basic Welcome letters in the mail, I never actually heard from them. Any phone calls they may have made had no voicemails. It took several attempts at messaging them after XXXX to finally get them to send me a Deed in Lieu form. Which they provided no information along with. I filled it out anyway. Paid to have it faxed back to them, then never heard back. Had to sign into the website, and go under Statements-Miscellaneous Documents to read that the Deed form had been rejected as Incomplete. That was it. No explanation. I have gone through the XXXX XXXX XXXX Received yet another " We've done nothing wrong '' response along with a few new forms to fill out, again without any real information along with them.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2017-05-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MD)

I took a loan in  XXXX     2016 for  {$550.00}. I called today to inquire about balance. The balance is over {$1000.00}. They said they charge a reoccurring finance fee. They are under " tribal law '' so they operate differently. They would only agree to stop the additional fees if I set up a payment arrangement for {$1000.00}.     My fault for not seeing or inquiring about tribal law. However doing business in t he US then US law s should prevail.
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (FL)

XXXX XXXX, a company that my fiance and I rented an apartment from, sent us a letter stating we owed a lot of money that we did not owe. We had my fiance 's aunt-who is a lawyer contact the woman who wrote the letter. Our lawyer, XXXX XXXX, also wrote a letter to XXXX XXXX at XXXX XXXX disputing the debt. XXXX XXXX agreed the amount was wrong and XXXX XXXX stated she would send a corrected letter to XXXX XXXX. Neither our lawyer, myself, nor my fiance ever heard from XXXX XXXX after XXXX 2015. The next thing we heard was that a collection agency was trying to collect a debt in XXXX 2015. XXXX never even corrected the amount owed. I finally told the collection agency that we had a lawyer, but the collection agency reported this debt to the credit agencies anyway.
Consumer complaint received 2023-04-14
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. (NY)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ha violated my rights.

15 USC 1681 Section 602A 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 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (VA)

I previously had a loan on my 1996 Acura integral with superior bank of Nj. The loan is paid off and I need a lien release to get my title but the company is out of business. I need something to provide to the XXXX to show there is no lien and no one can seem to help me.
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$380.00} XXXX XXXX XXXX Charge-off {$220.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX N/A Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Repossessions {$3200.00}
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (MO)

After seeing a collection report to my credit file I hurried and called this company, never got anything in the mail, I was told I owe and if I took care of it, they would remove it. I took care of it and it is still reporting. I don't know if it's just the credit bureaus just not doing there job. Please help
Consumer complaint received 2017-03-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Rosebud Economic Development Corporation (CA)

Q Credit has already took {$880.00} from my bank account for a {$1600.00} loan that lead me to investigate the company. This company claims that I still owe a balance of {$1600.00}. The company a tribal lender of the XXXX XXXX XXXX of XXXX operating within the boundaries of the XXXX XXXX XXXX of South Dakota, which when I contacted the Attorney Generals office I was informed that they do not even have a license to operate in the state of California. I have sent a letter to them via email to stop taking money out of my bank account. I refuse to pay anymore for a loan with not normal fees that are high and now has cost me and my family to be evicted due to having them remove money every time I get paid from my account. This company is robbing people blind that they claim to assist with loans. We are now living in a motel with my XXXX children due to the practices of this company. This is extremely upsetting and this company needs to be stopped.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

I have an account with ComenityXXXX XXXX XXXX A few months ago, I obtained a bill consolidation loan and paid them off. After that, I ignored all their correspondence because I had no need to contact them. I usually ignore all unknown callers because I get so many bogus call about car warranty, etc. On one day, I answered and it was Comenity Bank telling me that I owed {$140.00}. When I protested, they said that I had not included my late fee in the payoff so I had accrued more interest and late fees. On top of that, they are still charging me for XXXX insurance. I contacted the XXXX XXXX XXXX I waited for a letter from Comenity addressing my issue. Instead, I got another bill. They had now dropped the bill down to the original late fee and charges to {$45.00}. But, they added another late fee, interest and {$1.00} for insurance, for a total of {$89.00}. How can it be fair business practice to charge interesr and late fees on late fees. I might not have been as upset about the original late fee, saved myself grief and paid it. However, they did the same exact thing to my husband about three years ago. He paid it off, then they hounded him about an accumulation of late charges and fees til he finally paid them over {$200.00} to get them off his back. He died one year ago today so, of course, I can't ask him to get more details together for you. 
I want this account to be wiped clean, taken off my credit report and closed once and for all.
Consumer complaint received 2017-05-23
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: Community Home Lending (MN)

I ha ve 4 ha rd inquiries on my credit report that I have been done without my con sent. 2 from    XXXX   IL credit union date d    XXXX   XXXX   XXXX   , 1  from     XXXX   XXXX   dated    XXXX   XXXX   XXXX   and 1 f rom  XXXX   XXXX  dated    XXXX   XXXX
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.

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 2017-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on my credit report
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

I have been diligently pursuing a loan modification with XXXX and their servicing agent, Shell Point Mortgage, to avoid foreclosure. We have been working on this for almost a year now. Every time we reach the 30 day period that they have to review my information they send me a statement requesting the exact same information again. I am represented by an XXXX and they are as frustrated as I am. Now, I have been sent a letter declining my modification even though I qualify because they state that they did not receive the required information. I have email verification from them and their counsel that they did receive it, twice. I am now at a point where I may lose my home because their left hand does not know what the right hand is doing.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX credit card Paid off in settlement The balance is now XXXX Experian is showing account paid written off XXXX which is not true. 

I have a letter from XXXX showing current balance owed is {$0.00} And no written off of XXXX Experian once again showing false information