davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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)

I received my credit report on XXXX XXXX XXXX and notice there were hard inquiries that don't have permissible poupose to be on there. these hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about the multiple time they violating my rights under 15 USC 1681 ( b ). I also have the hard inquiries that don't have no purpose to be on my credit report. 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 XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC (OK)

i have a few collections that do not belong to me and the credit bureau wont take them off my account on XXXX XXXX XXXX XXXX opened a collection for XXXX $ with the original creditor being XXXX XXXX on XXXX source receivables manage opened a collection for XXXX $ on XXXX the original creditor being XXXX  XXXX XXXX opened on XXXX with the original creditor being XXXX XXXX XXXX  which was a condemned apartment complex that was shut down while i was living there
Consumer complaint received 2023-11-04
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: EQUIFAX, INC. (CA)

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 need to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2023-11-04
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. (AR)

Ive Sent off my letters off since the year XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a report showing the accuracies. Ive also included certified letters return pieces And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  -account # XXXX because it is not consumer debt Also XXXX deleted it and i sent follow up letters if it got deleted on there the other all the two bureaus are supposed to delete it as well
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Delete Hard Inquiries 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 Delete XXXX  XXXX XXXX XXXX Delete XXXX XXXX XXXX XXXX  I do not have a contract with with these collection agencies they did not provide me with the original contract as I requested.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-04
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. (OR)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-01
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I got behind on my mortgage due to Covid-19 because I was unable to work due to XXXX XXXX XXXX XXXX  that prevented me from working as a XXXX XXXX. I have put in multiple Request for Mortgage Assistance Applications with Bank of American. ( BOA ) even agreed to a mediation hearing with BOA and a Maryland mediation judge on XX/XX/2023. BOA agrees to accept my application for a loan modification. I have submitted multiple applications for a loan modification since XX/XX/2023. BOA keeps denying my application due to being " Unable to Verify my income. '' I work two full-time jobs and I provided paystubs for both jobs, but BOA claims they can not verify my income. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I contact Bank of America 's Loan Modification Department no one can verbally tell me why my income can not be verified. I sent a written letter to BOA in late XXXX requesting the reason my income can not be verified, and I have not received any response. My home now has a foreclosure sale date of XX/XX/, and BOA is still refusing to process my Loan Modification application or tell me why my income can not be verified. My employers can provide verbal and/or written proof of my income but BOA has not requested a verbal or written verification of my employment.
Consumer complaint received 2016-07-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I recently applied for credit and found I was denied because of some issues I had with Nationstar Mortgage back in XXXX. I 've always paid my mortgage and never had any issues until I had to deal with Nationstar. 
I had a mortgage with XXXX taken over by Nationstar Mortgage back in XXXX. With XXXX I paid my own taxes and insurance. For my taxes I was late a few times but I always got late fees and taxes taken care of. But never any problems with XXXX for 10+years. My first year with Nationstar, independent of tax issues, was nightmarish. I was sending 1/2 my mortgage payment in every two weeks to pay a little early because I read that this reduced overall cost of loan. I did this with other banks and never had issues ( if there was I could always resolve over phone ). But Nationstar could n't handle it and they kept threatening me with collections and charging me fees, regardless of how many times I worked it out over the phone with their agents. Then they assumed my tax and insurance responsibilities. I was able to block them on taking over insurance payments and I continued to make payments on taxes but they ignored this and would n't figure any of my tax payments into their bill. They also continued to send me erroneous bills. In XXXX of XXXX I wanted a correct statement before I would pay because it kept changing. Meanwhile I went ahead and finished paying off my taxes hoping to get a correct statement from Nationstar independent of taxes ( I do n't recall receiving a correct bill from them for the entire year of XXXX and my bill went up considerably when they assumed my taxes and it changed on multiple levels during the fall of XXXX ). Needless to say it was a very difficult and confusing period with them and I pleaded that they send me back to XXXX, Nationstar was making my life XXXX with their continues phone calls on erroneous charges independent of taxes. 

Here is a link to Texas XXXX : http : XXXX
Consumer complaint received 2020-06-12
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2023-11-04
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. (OR)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-04
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. (CT)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2016-07-21
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I tried to refi my fha mortgage through nationstar three times. Each time they refuse to streamline my refi because my city loaned me {$50000.00} ( no interest deferred 10yrs ) under the redevelopment program. The city is now a lienholder and gives permission to subordinate every time I try to refi.
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have not received this year 's {$21000.00} principal reduction promised to me in Nationstar 's XX/XX/XXXX HAMP approval letter to me on page XXXX, " [ s ] o long as [ my ] modified loan remains in good standing. '' Obviously that was a huge inducement and caused me to go ahead with the loan modification. I have never missed or even been late with a payment since my approval but somehow I am now being denied the promised inducement. 
On XX/XX/XXXX, prior to sending the completed loan modification paperwork in, I spoke with an XXXX ( or XXXX ) and a XXXX from Nationstar 's help line on two separate phone calls to their customer service line, XXXX. I wanted to make doubly sure that the promises and inducements referred to in their XX/XX/XXXX Hamp approval letter like the one referred to above still applied even though they were not mentioned in the modification documents I signed. They both assured me that those promises and inducements still applied as a separate agreement " [ s ] o long as [ my ] modified loan remains in good standing. '' They also said that those promises and inducements were not included in the modification documents because I do not become entitled to them unless and until I have qualified for them by keeping the loan in good standing for the requisite period. Based on those conversations and those promises and inducements, I sent the loan modification documents in. 
In addition I sent Nationstar a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) giving you Notice of Error, Complaint, Request for Information and written answers to my questions about this on XX/XX/XXXX. I understand that under Section 6 of RESPA they are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. I did receive a cryptic response from them setting up some new condition and calculation that was never mentioned or included in their XX/XX/XXXX Hamp approval letter to me. They did not give me any details as to why I did not qualify, what this new calculation is, why I was never appraised of this prior to my decision to go ahead with the loan modification and finally, they did not even send me that information within the required 60 day period. Their response letter was dated XX/XX/XXXX, some 76+ days later.
Consumer complaint received 2023-11-04
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. (MI)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-09-01
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. (PR)

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 2023-11-04
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. (IL)

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 quickly. XXXX XXXX XXXX Balance : {$81.00} ; XXXX XXXX Balance : {$480.00} ; XXXX  XXXX : {$16000.00} ; XXXX XXXX Balance : {$5600.00} XXXX XXXX  XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00}.
Consumer complaint received 2023-09-01
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. (GA)

Transunion has removed two my education loans that was paid off and closed well over 19 years then later placed them back onto my credit report with different account numbers. This is an ongoing situation with Transunion, the first is an education loan from XXXX XXXX servicing, amount {$4000.00} is closed and 19 years old, the second account is XXXX XXXX XXXX Status 19yrs 9mosAge of Account Amount {$4000.00} They have failed to remove from my Transunion credit report
Consumer complaint received 2024-08-26
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. (MI)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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