davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is claiming ownership and servicer of this alleged security deed, loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. 
Wells Fargo forced me to submit a Completed Loan Modification Packet on XXXX XXXX, XXXX without Wells Fargo VERIFYING AND VALIDATING THE ALLEDGED DEBT THEY SAY I OWE I did not receive this information prior to me giving them my information because they scheduled a foreclosure for XXXX XXXX, XXXX I disputed Wells Fargo debt with the credit bureau agencies and they removed Wells Fargo loan payment as XXXX in XXXX and they stop reporting and closed the account..I was alerted by the Credit Bureau agencies recently that Wells Fargo re-inserted XXXX , past due balances of XXXX, stating that I owe XXXX per month from XXXX XXXX thru XXXX XXXX 

Wells Fargo are mandated under " FDCPA '' to verify and validation of the original Note and Mortgage Trust Deed. The Demand for payment along with the supporting documentation has been falsified which misleads the courts and Federal regulators with fraudulent documents as per guidelines of the XXXX XXXX and The Amended OCC XXXX Consent Order, Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; 1. Article IV - Compliance Program 2. Article VIII - Management Information Systems 3. Article IX - Mortgage Servicing 4. Article XIII Any modification agreements that were executed with security deeds under FHA/HUD/VA and were placed in XXXX XXXX Pools which did not follow XXXX XXXX guidelines is null and void per the regulations of XXXX XXXX Mortgage Backed Securities. This policy is under XXXX XXXX Documentation Requirements for Servicing of Modified Loans in MBS This letter requests VALIDATION AND VERIFICATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. The Affidavit that 's MANADATED UNDER THE OCC XXXX CONSENT ORDER I requesting for Wells Fargo to please provide the following : 1.Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 
3. Provide details how the alleged debt was calculated to date 4. Provide copies of any papers that show that I agreed to pay the alleged debt with my signature that follow XXXX XXXX GUIDELINES 6. Identify the original creditor. 
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds 8. Provide evidence that the Statute of Limitations has not expired on this account PER FCRA AND NATIONAL BANKING ACT 9. Provide evidence that you are licensed to collect in my state. 
10. Provide in the AFFIDAVIT you have not violated the National Banking Act ; 29. The Power to Hold Real Property
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LOBEL FINANCIAL CORPORATION (FL)

Hello there ive been trying to solve a problem with my credit report its showing lot 's of inaccurate information that I try and dispute on my own and can't resolve. There is a auto loan from Lobel financial that I never asked for or received in the amount over XXXX around XX/XX/year>. I never bought any car from there or there associates.. also the address they have on my credit report is inaccurate I've tried to dispute the information with XXXX XXXX XXXX XXXX  and can't resolve the issue.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

* I traded my leased a Nissan XXXX XXXX XXXX ( VIN XXXX, Leased from NISSAN-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealership XXXX XX/XX/2023. 
* XXXX XXXX of XXXX cut a check to NISSAN-XXXX  XXXX  XXXX XX/XX/2023 which was cleared on XX/XX/2023 * NISSAN-IXXXX XXXX refused the payment to pay-off this lease unit XXXX and they cut a new check on XX/XX/2023back to XXXX XXXX. 
* NISSAN-XXXX  XXXX  reported to created bureaus as nonpayment on my part. 
* My credit score was decreased by XXXX points. 
* To resolve I paid off the vehicle out of my pocket. 
* XXXX XXXX has informed me that they will reimburse me, but no XXXX shared yet. 
* Now my account with NISSAN is settled but they are not reporting it back to created bureaus to restore my score.

* Talked to NISSAN customer support at XXXX. They do not report the settlement to credit bureaus. 
* I am in middle of a home loan application which has a deadline of XX/XX/2023. 
* If my credit report is not corrected before that date, I will lose the house. 
* I have opened dispute with credit bureaus, but there processing time is beyond deadline for home application closing. 
* Attaching letters from XXXX XXXX and Nissan
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I live in Illinois, which has a seven-year status limitation for reporting bad debt. I asked Transunion and XXXX to remove the expired debt, and they refused. I also asked them to verify the debt was mine before it expired ; they didn't do that either. However, now the bad debt has expired, and it needs to be removed from my credit reports.
Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, I sent my first letter requesting validation of this account. I followed up with a second letter on XX/XX/year>. Despite these requests, XXXX Account XXXX XXXX XXXX XXXX XXXX has not provided the necessary proof to support the legitimacy of this debt. As a result, I am requesting that XXXX, TransUnion, and XXXX remove this alleged account from my credit report under the XXXX XXXX XXXX by Silence. 
XXXX. Not authorized to conduct business in the state of Florida. 
XXXX. Failed to cease collection ( XXXX, TRANSUNION, XXXX ) on the debt validation PROCESS
Consumer complaint received 2024-09-18
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. (MI)

I recently reviewed my credit report and noticed some accounts was not reporting accurately. I had 4 late payments on one account and 1 late payment on another that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. These accounts have not been late on payments I've attached a copy of my reports to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) I'm now requesting you investigate these accounts and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX and Experian is reporting inaccurate information on my credit report. I call the court and they told me they dont report Bankruptcy to the credit bureaus. All 3 bureaus is reporting fraud on my credit report and i would like these to be removed ASAP.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDFIRST BANK (NV)

I received my credit report and I notice my account for Midland fin # XXXX is not reporting accurately. On one report its stated five payments late and on another report its stated 3 payments late. Please remove and update my credit report. If this information was not reported accurately I request it be removed immediately. Thank you for understanding.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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.

Account name : XXXX XXXX Account name : XXXX XXXX XXXX bankruptcy, 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 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 2023-09-28
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. (FL)

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. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I am contacting you regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously aware of. Moreover, I have serious reservations about the validity of the claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. Therefore, I formally request that you provide the necessary validation and take appropriate steps to resolve this issue.
Consumer complaint received 2024-10-09
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. (MA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-28
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. (FL)

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. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance : {$430.00}.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (CA)

Today XX/XX/XXXX, I got a notification from XXXX XXXX that there was activity new activity on my credit report upon review. I learned that tourist credit services added a collection under me for close to {$4000.00}. I have no knowledge of this. I dont know who they are what this is for And I just learned this today. I submitted a complaint with XXXX XXXX and I reached out to the company who is closed already today
Consumer complaint received 2015-04-24
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (OR)

On XXXX XXXX XXXX, 2015 I made an online money transfer through the Western Union website. The MTCN tracking number is XXXX. The receipt for this this transaction ( as well as the webpage ) stated, and I quote, that the funds will be " available in receiver 's country XXXX XXXX, 2015 ( may be available sooner ). '' Additionally, the bank and account I used to have the monies debited from informed me that the money was withdrawn and sent to WU on Tuesday XXXX XXXX. On XXXX XXXX XXXX, my bank informed me that WU had the money and even provided me with a " trace number '' to provide to WU that the funds were distributed to them. The issue I now have with Western Union is that they are not scheduled to clear the funds to the recipient in the receiver 's country unit Monday XXXX XXXX at XXXX, one week after the original transfer was made, and two business days past when the receipt they provided me promised the funds to arrive.
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Dear Experian and CFPB, I am writing to formally dispute multiple inaccuracies, unverified entries, and misleading information regarding my credit report as it pertains to the account listed by XXXX XXXX. The discrepancies not only misrepresent my financial history but also significantly impact my credit health and overall quality of life. 

The following inaccuracies have been identified in the report : XXXX. **Unverified and Outdated Information** : The report shows an " Account Status '' of " Derogatory '' with a " Balance '' of {$120.00} and a " Payment Status '' of " Collection/Ch. '' However, the " Last Reported '' date is XX/XX/2024, while the " Date of Last Activity '' is noted as XX/XX/2024. This discrepancy raises serious concerns about the accuracy and timeliness of the information reported, violating my rights under 15 USC 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

2. **Misleading Comments** : The report states that the account was " closed at consumers request and dispute resolved, '' yet it also indicates that the " consumer disagrees '' that the account is seriously past due. This conflicting information creates confusion and misrepresents my actual financial obligations. It is crucial for my credit report to reflect accurate information to avoid unjust penalties on my credit score.

3. **Impact on Credit Health** : I have made numerous attempts to resolve these issues with Experian yet each time I reach out, I am met with responses that fail to address the inaccuracies adequately. The ongoing presence of this misleading information severely limits my access to credit, increases my financial burdens, and causes undue stress and anxiety regarding my financial future.

4. **Consumer Rights Violations** : The inaccuracies in this report violate my rights under 15 USC 1681e ( b ) as well as 15 USC 1681i , which allows consumers to dispute inaccuracies in their reports and requires timely resolution of those disputes. 

Given the severity of these issues, I respectfully request that XXXX conduct a thorough investigation into this account and take corrective action to ensure that my credit report accurately reflects my financial history. It is imperative that the necessary updates to my account are completed promptly, as my financial well-being depends on it. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NRA Group, LLC (MS)

I request the CFPB 's assistance in ensuring that NATIONAL RECOVERY OPERATIONS : 1. Ceases any unauthorized access to my credit report in the future. 
2. Pays statutory damages of {$XXXX} for violating my rights under the Fair Credit Reporting Act ( FCRA ). 
3. Takes steps to prevent future unauthorized credit inquiries from occurring.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You guys are illegally reporting an open account as closed and a charge off when im still logging into my app making payments & have my car and never got any kind of notifications saying it's in collections, repossession, nor a charge off. On top of that it says I'm up to date with all payments as of XX/XX/year>. See attached.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"