davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I have tried by the means of obtaining a modification in the loan, but it has not been possible, they always disqualify me for one reason or another, I understand that investors, bankers, lenders, opportunists, this situation is convenient in the economy is specifically with the Housing in all the United States, where an inflation has been created in an uncontrolled way, in my understand A created situation. 
I hope this agency will be in charge of thoroughly investigating the situation that is actually living in this nation with reference to homes. 
This company that I have the investor administrator called ( Nation Star ) now ( Mr. Cooper ) have been approaching thousands of properties throughout the country, making mortgage executions in most cases violating the law of the law of ( Respa ) The Real Estate Settlement Procedures Act Was A LAW PASSED by The United States Congress in 1974 and Codified as Title 12, Chapter 27 of the United States Code, 12 U.S.C. 26012617 ( Tila ) The Truth in Lending Act of 1968 is a United States Federal Law Designed to Promote The Reported Use of Consumer Credit, By required disclosures about its therms and cost to standardize the manner in which Costs Associated With Borrowing Are calculated and disclosa. 
I hope from this agency your collaboration in the investigation of this ( Mr. Cooper LLC ) of its administration as they are carrying out all these procedures that take steps required by law, and which in my opinion are not doing it, the law is The law and nobody should be above it.
Consumer complaint received 2022-08-17
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: Shellpoint Partners, LLC (VA)

i only gave them premission to run my credit one time not twice they have two different dates on my credit i will like the inquire for XXXX XXXX to be taking of my credit report i didnt give them premission this day
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MA)

I opened my credit report in XX/XX/2023 and found many information that is not mine I send the information with the FTC to the creditors they stated in their investigation that it was accurate I called and they said they will see what their reinvestigation launched this time no response waited and waited and then things gone worse accounts were showing up that they were not mine with creditors instead of the situation getting better it got worst XXXX XXXX XXXX XXXX XXXX also I filed a police report again this time in XXXX and I did send them the may one which for them was not acceptable I AM REQUESTING HELP!!! never get thorugh with them and they never send me anything
Consumer complaint received 2022-09-23
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: Colony Brands, Inc. (GA)

XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and XXXX i these off my credit old accounts and I have disputed over and over.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to emphasize that my right to privacy is of utmost importance. I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully obligated to " exercise your grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' I am invoking this right as per the legal provision. Kindly ensure that the following information is handled with the highest level of fairness, impartiality, and respect for my privacy.

Furthermore, under 15 U.S. Code 1681b ( Permissible Purposes ), I have never granted this company any permissible purpose to access my information. This constitutes a clear violation of the code. I request that the account ( s ) in question be removed from my report as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Given your responsibility to protect my privacy, I ask that this matter be treated with the utmost urgency. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-09-03
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX, XXXX XXXX has reported delinquencies and my credit file ( with Transunion, XXXX, XXXX ) and continues to post this account as an active account and the account is charged off & closed since XXXX ( {$14000.00} my file saying that I owe after the vehicle was repossessed, and the finance amount was allegedly {$17000.00} ). The car was repossessed XXXX XXXX  XXXX, while my XXXX XXXX child sat in the passenger seat at XXXX-I filed a police report on that date against them as well. I have asked all 3 credit bureaus to investigate, to remove this item, and they have not complied. They are also in violation of Georgia law XXXX code XXXX. 

As of XXXX XXXX Transunion, XXXX XXXX XXXX has reported XXXX XXXX to all three bureaus that I owe {$240.00}, this is a closed collection. I have asked that it be removed, they have not complied. 

As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX, has shown up on all XXXX credit files as delinquent in the amount of {$1800.00}. This is incorrect information and I've asked for it to be removed. 
As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX has shown up on all 3 credit bureaus that I owe {$1800.00} I've never had a device with this company and I have asked that they remove this item multiple times. 

Transunion XXXX XXXX both have listed my student loans with Dept of EducationXXXX with incorrect amounts, dates & delinquencies. I have asked that they be removed. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MA)

TD bank is holding on to my {$2400.00} for no logical reasons I could understand and not crediting it back to my account. 
On XXXX, a paper check # XXXX for {$2400.00} and e-check # XXXX for {$2400.00} was debited from my account. 
On XXXX, same checks again were used to debit money from my account of which {$2400.00} from e-check # XXXX was returned but another {$2400.00} from # XXXX is not returned until now for 24 days. 
I have spoken to more than 10 customer care reps and their numerous escalations for hours and hours of my time as well as the assistant branch manager and it is still not resolved. On top of it, they are all so rude when I am dealing with loss of my hard earned money. I just need my money back from this bank and be done with them forever.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

The credit bureaus violate 15 USC 1681 by sharing and reporting my private information and that information is not validated and is wrong. I asked all 3 major bureaus with a certified letter to validate the bankruptcy on my report and to do so within 30 days of receipt of the letter and they did not comply nor did they remove the inaccurate information. Here is exactly what I requested in the certified letter when I requested that they verify the accuracy of the bankruptcy found on my report : ( method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. Which document you obtained to verify the bankruptcy ). It was also requested that this information be removed if they could not validate it within 30 days. They have not given me the requested information nor have they removed the information. My information was leaked by these companies who should never have had access to, shared, or used incorrect information to gauge my credit worthiness. This is a HUGE violation of my rights.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I went to the Bank of America ATM at XXXX XXXX XXXX XXXX, Ca.. I made a cash deposit as I always do, in the amount of {$1000.00}. The ATM could not process the transaction and a message on the screen said there was a problem with the machine. I took a photo of that message. When I hit " continue '' it only recorded {$300.00} of my {$1000.00}! It was a holiday weekend and I could not reach anyone by phone until the following day. They gave me a temporary reversal of {$780.00} but today they took the money back!! This is MY money! How can this be corrected??
Consumer complaint received 2024-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX then all these inquirires which are not mine never requested any services from those creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I went over my credit report and noticed inquiries that I never initiated or authorized. 

The following inquiries need to be REMOVED IMMEDIATELY " XXXX XXXX XXXX XXXX '' " XXXX  XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait.

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Consumer complaint received 2022-09-07
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (IL)

15 usc 1692f. I was coerced in deceived to pay an alleged debt, which is a violation to my consumer rights. I submitted payment to a XXXX, a company I had no contract with. I submitted my dispute letter along with other documents and an invoice for my remedy
Consumer complaint received 2023-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (SC)

The Company Westlake Portfolio Management, states that I owe them for a vehicle that was purchased from US Auto Finance. The company US Auto Finance, LLC has gone out of business. In the contract with US Auto Finance , LLC it clearly states. " You agree to sign such agreements or documents as we may require to effect the terms and conditions of payment shown in this Agreement. You or we may rescind the retail installment sales transaction as provided in the Agreement if we are unable to assign the retail installment sales contract to a financial institution. Westlake Portfolio Management is a debt collector, they are not a financial institution. I do not have a contract with Westlake Portfolio Management. This company has been collecting payments from me, but they have not shown any documents showing that I have a contract with Westlake Portfolio, which is not a finance institution. They are a debt collector. This company has also reported on my credit report that I owe them money. I do not owe anything to Westlake Portfolio. US Auto Finance, LLC is the company who I finance my vehicle with. US Auto Finance, LLC is also on my credit report as being an open loan. Westlake Portfolio Management is not upholding the contract that U.S. Auto Finance, LLC had in place.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (MD)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX Account Number : XXXX 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.
Consumer complaint received 2022-11-01
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. (MO)

Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. To my understanding compliance with the CARES act would required XXXX to remove the late payments from my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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 submitted a dispute that was received by experience on XX/XX/XXXX. This dispute was regarding an account called XXXXXXXX XXXX  aka XXXX XXXX. I have contacted experience on multiple occasions and the account has not been validated. I then requested the account be removed multiple times and this has not been I've been completed. It is now XX/XX/XXXX and it has been over a year now. Experian confirms that my dispute was received over a year ago and was never validated within the 30 day time frame. I am requesting this account be removed from my credit report immediately. My ability to apply for credit has been negatively impacted based on this erroneous entry.