davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (MD)

I have been trying to work with Suntrust for over a year to ensure that I keep my home. I filed for a modification last year. I was up to date with my mortgage and was denied. They offered me the option to short sale. I do n't understand why they would rather let a potential new home buyer to take advantage of the fact that my home has lost value rather than work with the person that has not missed a payment in 10 years. Against my better judgement, I stopped paying my mortgage in hopes that they would help. I filed again in XXXX. Only for them to tell me that they did not get my paperwork. I gathered all of the paperwork once again. Only to be denied a modification and offered the short sale option once again. I can not short sale my house and be taxed on a XXXX. I simply ca n't afford it. They do not have my house properly appraised, have not attempted any kind of resolution, and the rep pretty much told me that he is busy and I am just a number / case load for him. I do not want to lose my home, but I am at my whit 's end with Suntrust Mortgage.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

Experian is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Experian in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Experian, I certified that XXXX had not responded to me within the required 30 days. Experian then ignored this documentary evidence and used the same false reporting from XXXX to " verify '' the false information in their XXXX/XXXX/XXXX report update. Experian failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Experian on the matter, the Experian staff member confirmed that Experian is using an electronic " update '' from XXXX as verification. I believe this is a violation of the FCRA because the " update '' from XXXX does not contain any documentary evidence that Experian has or can provide to me, but they are using that rather than my submission of documented evidence to them.
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am writing regarding unauthorized accounts on my consumer report that are linked to confirmed identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication about this issue, these fraudulent items remain on my report. 

Under the Fair Credit Reporting Act ( FCRA ), I formally demand the immediate blocking and removal of these accounts from my consumer report within 4 business days of receiving this notice. The presence of these fraudulent accounts has caused : - Significant emotional distress - Financial hardship - Inability to purchase a home - Difficulty meeting my family 's financial needs
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was shocked this morning when I noticed that inaccurate accounts had suddenly appeared on my credit report, and I have no idea why. I check my credit report regularly, but this time, there were discrepancies that seemed to come out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the accounts were still there. Now, Im really concerned and requesting that the documents Ive sent are thoroughly reviewed, so I can stop worrying about this happening again.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : late payments XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX reported by XXXX  Number XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Consumer complaint received 2015-07-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with my social security number. This debt is not mine. I have enclosed proof of my identity. 
In accordance with the fair Debt Collection Practices Act, I Am asking you to stop proceeding against me and stop communicating with me about this debt, except as the fair credit Reporting Act allows. I also ask that you notify the Aurora mortgage loan agency and tell the debt is in result of identity theft. 
XXXX XXXXXXXXXXXX ( XXXX )
Consumer complaint received 2017-06-22
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: Home Loan Center, Inc. (NY)

Lending Tree provided my S S # to at least  XXXX  auto refinance businesses without my consent.   XXXX  This resulted in at least  XXXX  new hard inquiries I did not authorize  : 1.   XXXX   2.     XXXX   XXXX   Again, I DID NOT authorize this.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ID)

Equifax continues to report an account ( XXXX Account # XXXX ) on my credit report that I have requested several times to have deleted since it does not belong to me. I had also attached to my investigations with Equifax as proof an original letter from XXXXBANK which whom is the original furnish-er of this account that they would delete this account since it does not belong to me. Equifax with proof from the original creditor keeps saying this belongs to me? 

-Attached is original letter from XXXXBANK-Attached is XXXX separate dispute results from EQUIFAX
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

On my credit report, my negative accounts are repeated. It looks as though I have more than I actually do. the loan for sallie mae says " paid as agreed '' but It also appears saying " XXXX days past due ''. Most of the accounts are showing up multiple times, and with conflicted reports.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-03-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (TX)

I have been ordering a payoff statement from Selene Financial since XXXX XXXX and still have not received it. I need the statement to complete my refinancing. Today ( XXXX XXXX ), Selene told me it would be another week ( 5-7 business days ).
Consumer complaint received 2024-10-16
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. (NV)

I am writing to inform you that I am a victim of identity theft, which has resulted in unauthorized inquiries appearing on my credit report. I did not initiate or authorize these inquiries, and I request that they be removed immediately to prevent further damage to my credit.
Consumer complaint received 2017-01-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Experian Information Solutions Inc. (MD)

I am unable to access the website XXXX from XXXX. They said one of my security questions from Experian is wrong : what was the make of my first car. They pointed me to Experian ( CFPB Case # XXXX ). On their website, it gives a number to call to speak to a live agent to answer any questions. I have tried that number XXXX and there is no option to speak to a live agent. That is misrepresentation. There is no way to reach a live person. That 's first. Next, I know the make and model of my first car and it wrong with Experian. That needs to be changed. I need to be able to speak to someone there live to have this updated.
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (FL)

XXXX XX/XX/year>XXXX  this account has been Charged off, a balance still show on my credit report that I owe this alleged debt. By law this debt balance should be XXXX because this account is charged off. The Bank charged off the account and never report it to IRS, it is Illegal to charge off an account and do not send me my 1099C. I would like to receive my 1099C Cancelation of debt, if the bank can not provide this Cancelation form 1099C within 15 days, the charged off need to be remove from my consumer report.
Consumer complaint received 2024-09-30
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. (KY)

URGENT MATTER Dear XXXX, Experian, XXXX and XXXX I XXXX XXXX XXXX XXXX XXXX Account Name : XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off, am writing to address the violations of 807 ( 3 ) and 807 ( 10 ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 3 ) ,1 ( 1011 ), and 1031 ( a ) and 1036 ( a ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( A ). 
For clarity, I would like to provide definitions relevant to this matter : - " Charge-off '' : The accounting action to remove a Debt from financial statements by treating it as a loss or expense. 
- " Charge-off Balance '' : The alleged due amount on a Debt at the time of Charge-off.

- " Collection Suit '' : Any civil action commenced by Defendant against a Consumer for debt collection purposes.

- " Consumer '' : Any natural person obligated to pay any Debt.

- " Creditor '' : The person that owned a Debt at the date of default giving rise to a cause of action.

- " Debt '' : Any obligation or alleged obligation of a Consumer to pay money primarily for personal, family, or household purposes. 
- " Defendant '' : XXXX XXXX XXXX XXXX XXXX, and its successors and assigns. 
- " Effective Date '' : The date on which the Order is entered by the Court.

- " Enforcement Director '' : The Assistant Director of the Office of Enforcement for the Consumer Financial Protection Bureau, or delegate.

- " Originator '' : The person or successor in interest who extended the credit creating a Debt.

- " Pending Collection Suit '' : A Collection Suit filed prior to the Effective Date that is pending in court as of the Effective Date.

- " Related Consumer Action '' : A private action by or on behalf of one or more consumers or an enforcement action by another. 
I must bring to your attention the decision dated XX/XX/XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX, New York, which rejected XXXX XXXX  's attempt to collect on a charged- off debt. XXXX XXXX 's denial of XXXX 's motion for Summary Judgment highlighted XXXX 's own records indicating a " New Balance of {$0.00} '' and an " internal charge-off '' of the previous balance of {$4600.00}. XXXX was represented by XXXX XXXX XXXX, XXXX.