davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (MN)

The following is a description of the communication between myself and XXXX at Rent Recovery Solutions. Address : XXXX  XXXX XXXX XXXX, XXXX, GA XXXX I found out about this debt while attempting to acquire mortgage loan. 
>First call XX/XX/XXXX- I told XXXX ( agent I have had contact with ) that how I had found out about this debt. I explained my situations and gave them all of the appropriate contact information ( phone #, address, email and an alternate email ). I requested that they send me a later stating what I owe and for what reason ( as they are required by law ). XXXX said that he would send the letter out to both my physical address and email. 
>2nd/3rd call XX/XX/XXXX - Called because I still haven't received the letter via email or snail mail. No answer. Left voicemail. 
>3rd call XX/XX/XXXX - Called and got through to XXXX again. I told him that I still have not received any documentation via snail mail or email pertaining to this debt. XXXX claimed that he had sent out XXXX letters to both my physical address and email ( I have never received any ). I tried explaining to him that I am not trying to get out of paying the debt, but that I need to have documentation. XXXX proceeded to talk over me the entire call and tell me that the problem must be on my end and that I have an issue with my email AND my standard mailing service. He also, told me that since they had my info and he told me what I owe that I should just pay it. At this point I got frustrated and told him that I did not appreciate being interrupted and I tried to explain my situation again. XXXX then hung up on me. 

Which leads us to now.
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2022-08-24
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. (NC)

I sent a letter on XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics. On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person.
Consumer complaint received 2022-08-12
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: Marlette Funding, LLC (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : BEST EGG XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed the XXXX XXXX XXXX with Equifax and have provided a utility bill and it still has not been removed. The correct address is the XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

I, XXXX XXXX a consumer citizen of heaven am writing in response to an alleged debt which was sent to the address of XXXX XXXX XXXX XXXX # XXXX. This letter was received on XX/XX/2021. Letter attached. 

As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. 
National Recovery Agency response did not address any of my complaint and purposely deflected providing me answers in their most recent correspondence. 

My request was specific. The alleged debt was not verified. A correspondence letter was sent on XX/XX/2021. 

I, XXXX XXXX did not conduct any business with the above company in the past or currently. In addition, they have violated my privacy. I did not sign any forms authorizing National Recovery Agency to access any information pertaining to me. 

I have been violated and will be turning this matter over to the office of Civil Rights ( OCR ). 

This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation requested ( FDCP 15 USC 1692g Sec 809b ) be executed. 

I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and their organization bearing my signatures. 

This has a severe negative affect on me as a consumer and is violating the FCRA. This is jeopardizing my reputation as a consumer.
Consumer complaint received 2021-10-12
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: Westlake Services, LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

On XX/XX/2021 my phone was tooken and a unauthorized transaction took place. The person had my phone and accessed my by hitting forgot password in which the system sent a temporary pass code to my phone via text messaging. Then transferred {$100.00} to himself leaving.me with {$4.00}. I reported it right away to NetSpend. I also made a police report and pressed charges. Sent a letter and documents with report number. I did everything I was supposed to do. My claim was rejected. The person that did it was arrested and is in jail facing charges. The bank just says they can't find an error. And they are right there was no error. But there was an unauthorized transaction. What else do I need to do. Do I get a lawyer or what?
Consumer complaint received 2022-08-12
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: SYNCHRONY FINANCIAL (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX
Consumer complaint received 2021-12-18
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (NE)

To Whom It May Concern : When applying for this loan, I agreed to also open a personal checking with the institution in exchange for a lower monthly payment/rate on the loan. However, I have made multiple attempts to reach out with questions related to my loan and the process of switching my checking account, and they are impossible to get ahold of. Ive submitted inquiries through their automated system that never get answered ( but I do receive request received emails so I know they were properly submitted, as well as later feedback requested emails even though my questions are never answered ). I have attempted to call them and the phone system is a ) EXTREMELY poor audio quality and almost unintelligible ; and b ) just a never-ending hold system, with no information on where you are in the queue, or ability to leave your number and receive a call back later. I submitted an email complaint about these issues because I do not want to switch my checking over to an institution I cant get a timely response from should I run into any issues with my personal banking. I was told by a representative named XXXX that the company would not help me with my request in writing and I would have to call their customer support for a response. To me this is a red flag because I always like to have record of correspondence regarding important matters and complaints, and I think a financial institution would want the same. Also, there is the aforementioned issue of the phone system not being a practical or viable alternative.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc. (NC)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft.
Consumer complaint received 2022-08-24
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)

I moved and canceled XXXX XXXX cable. I paid my bill up to the time where my service period lapsed and I was paid up. 

I was informed despite never agreeing or being told that XXXX does not prorate and would charge me for a full month of service I did not use. I decided I'm not giving a large corporation a free month of service and never received any prorated refund, which is incredibly common and simple for a large company of their size to implement. 

I have since received a derogatory mark on my credit score. I won't pay this, they have a monopoly on the area and take subsidies from the government and then won't even do a simple prorate when you cancel service because you moved. The price of the service is high compared to many other countries yet speeds are slower and not sychronous, why? Why do I pay more and get less AND I'm expected to pay for a full month of service when my period lapsed by a few days. 

I refuse to pay it and will dispute it until it's resolved or is pulled from my report. All utilities should automatically do prorates since people do not know when they will move and can not predict it exactly and it should be illegal to write this in any terms of service. I was never informed of this and signing a long, complicated legal document for the only provider available in what is effectively a monopoly is should not be binding when unreasonable ( no prorating policy is unreasonable ).
Consumer complaint received 2021-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

Well I got on the forbearance program about a year ago with the hopes of getting a reduced mortgage payment when done it's says pay what you can when you can I started.paying my mortgage back in XXXX but I was like XXXX short on escrow so they applied my money to that so now it looks like I haven't paid mortgage in a year also my payment when I bought the house was XXXX and went all the up to XXXX XXXX so I'm single XXXX kid and alot of bills I wanted it lower payment because XXXX dint loose my job that was the reason but now there offing me a lower interest, and a payment of XXXX for 3 month trial then after that my payment goes back up to XXXX and the want to modify my loan to a 40 year loan I only owe XXXX XXXX on my house I put down XXXX so not only does my house look like it's gon na be avaible on line but showes how much profit a person could make I thought I was going to be able to push.the missed payment to the back of the loan but my credit isn't as good as it was.and all these factors came about but dint say at the end it's gon na cost you big time my loan was only 30 years in the first place I've been here for 8 and they want me to modify for 40 years with a hiring payment then when I bought the house this is at wells Fargo Bank I originally bought my house threw XXXX bank my bank but Wells Fargo bought my loan from them and im not happy with them at all I belive there crooks I just don't see myself doing what there offering so I haven't awnserd them because I'm not happy wich is not good but I don't no how to go about the payments I've missed and I feel like this is my only option and they no that and are using it to there advantage another thing is every year for past few years my escrow is always short wich then causes my payment to go up so even if I took the deal next year or this year I belive I'm still short so then my payment will go up agian next year and then I really can't afford it not by myself I just wanted to reduce my payment but they handed me down person to person and wouldn't tell me how much Equity I had in my house because it s probly enough to pay it off not to mention the updates I have put into the house central air sliding patio doors all wood inside new floors tile ect... you name a privacy fence all the way around put a spot for 3 cars out back did all the land scapping and I got the stuff to.put on a new roof I really don't want to modify my loan for 40 years my house won't be paid off tell XXXX was supposed to be XXXX I mean 20 more years plus taken 8 from me for a lil XXXX dollars I owe last it was XXXX or so crap I willing to do al.ost anything but that please help me if you can either expose Wells Fargo for there unethical mortgage crap or help me with paying them back so.i can remain I my house/ XXXX U
Consumer complaint received 2022-08-24
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. (FL)

I have attached an FTC report with inquiries I did not authorize. There is also an account from XXXX XXXX XXXX XXXX and I do not have a loan with them and it is showing on my credit report.
Consumer complaint received 2022-08-24
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. (CO)

I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX against Equifax Credit Bureau. They responded to the complaint but are completely ignoring the laws in regards to consumer reporting and are violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report by any reporting agency. I did not give any agencies this consent, this includes any vendor who they got this information from. Also they have yet to provide me with a contract that has my signature where I consent to them sharing this information. I also received a request from Equifax compelling me to give out my Social Security Number which is a violation of the Privacy Act of XXXX. Which means they obtained all information through identity theft. That is also a violation of 18 USC1028A aggravated identify because they used my name without my consent.15 USC 1666b clearly states a consumer credit transaction can not be listed as late for any reason. Please review 5 USC 552A in concerns to the law for reporting information on individuals. Also at least 1 agency has delete both fraudulent accounts so again they are reporting inaccurate. I demand they correct it.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have and issue where i have inaccurate information being reported on my credit report. I have disputed many times with this company via certified mail, online, phone with no positive resolution. These following accounts i am going to list are inaccurate and non-validated with a deletion not being made and the account never being proven to be mine. 
XXXX, XXXX, XXXX, XXXX Last reportedXX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reportedXX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$550.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$1400.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$1700.00} XXXX XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX FINANCIAL ( Bank ) XX/XX/2021 XXXX XXXX XXXX BANK ( Finance ) XX/XX/2020 XXXX BANK ( Bank ) XX/XX/XXXX 2020
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NV)

I recently discovered multiple fraudulent, unauthorized charges on my Ally Bank checking account. I disputed all of the charges in question on XX/XX/2022, soon as I discovered them. It's been over XXXX business days since I filed the dispute and Ally Bank has yet to provide provisional credit or provide a written statement. This puts Ally Bank out of compliance with Regulation E. 

I also haven't been able to access my account, Ally says I have to wait unti their investigation is over. I have verified my account, set up a new username and password, and security questions with an Ally agent over the phone. But they keep saying I can't access my account until the investigation is complete.
Consumer complaint received 2021-10-12
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: HYUNDAI CAPITAL AMERICA (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.