davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-12-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capstone Funding Group, Inc. (MD)

XXXX refinanced XXXX trust through XXXX loans ( fixed rate Balloon ) - went to XXXX XXXX XXXX XXXX modified to 4 %, 30 year term, XXXX XXXX XXXX wroteoff/charge off over the years transferred to many debt collectors Capstone Funding Group XXXX XXXX XXXX XXXX XXXX is suing in court Foreclosure on the second, the home is under water to a XXXX paid on time Nationstar XXXX 
Capstone is suing on the original note from XXXX a 6.75 interest rate loan Spoke with XXXX XXXX and asked her to provide to me proof that they have the XXXX modification & what int. rate are they using? She said she has to ask manager to get into the vault for the paperwork. I told her I am concerned about Fraud. 
XXXX XXXX never cld back, I called her and she said she does n't have the paperwork. 
XXXX XXXX then filed the final loss mit. to court saying she did not do a mitigation, but because I did not give her the XXXX modified loan agreement. I have emailed this to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said she can talk to me about a modification, she would call me back - never did XXXX called cell # of XXXX XXXX - she told me she no longer works for Capstone, she will try to get ahold of XXXX XXXX, the foreclosure is on hold, they got the XXXX docs that I sent XXXX/XXXX/XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX. ( XXXX ) called after 3 times got ahold of a XXXX, she took his info she stated she needed to contact XXXX XXXX who is working on our file ( KB told me the day before she was no longer working for capstone ) The phone num capstone provided on their contact sheet is temporarily disconnected since XXXX, the other number goes to a recording, you can not talk to anyone, the voice mail says ca n't accept messages, this has been happening for the last two weeks - we have a mediation date on XXXX/XXXX/XXXX Please help I do n't believe they own this loan, the XXXX MERS assignment shows XXXX XXXX as working for XXXX XXXX, as a VP, but when you XXXX her she is an assistant at XXXX XXXX XXXX in XXXX, that is who the recording was requested by.
Consumer complaint received 2024-10-27
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. (DE)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-06
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. (FL)

On XX/XX/XXXX, I contacted Equifax regarding inaccurate information present on my credit report. As of this date, I have not received a response from Equifax. I am writing to provide the details of the inaccuracies and the necessary corrections that need to be made : Incorrect Reporting for XXXX : Date Opened : XX/XX/XXXX Reported Balance : {$14000.00} I dispute the reported balance of {$14000.00} for the XXXX account, as I recall the amount being lower. Additionally, I request that the information regarding the XXXX XXXX amount be removed, as this account is closed and charged-off. Given the impact on my credit score, I request that you mark this account as disputed to prevent any further negative influence on my credit score. 


Inaccurate Information for XXXX XXXX : Date Opened : XX/XX/XXXX Reported Balance : {$1400.00} The information presented for the XXXX XXXX account requires investigation. I acknowledge the original creditor as XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX. The reported balance of {$1400.00} is inflated and inaccurate. I do not recognize this amount and believe I owe a lower sum. Due to these discrepancies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency.
Consumer complaint received 2024-07-14
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. (NC)

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 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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-10-02
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. (CA)

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 Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-10-27
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. (MI)

I contacted Experian on XXXX XXXX. 

I have tried to get a house and was denied because they are putting things on my credit that are false and ruining my defamation of character. According to 15 U.S.C 1681 B this is a violation of my fair credit rights act.
Consumer complaint received 2024-08-02
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. (MD)

I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-02
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. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed
Consumer complaint received 2022-09-14
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. (CA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX I am natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be be remove because According to 15 USC 1681. I have the right to privacy and i did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2024-10-02
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. (WY)

I have filed numerous complaints on XXXX transunion and XXXX for not following reasonable procedures in regards to blocking deleting XXXX XXXX from my XXXX transunion and XXXX credit reports.ive filed XXXX ftc report and sent numerous dispute letters In regards to XXXX XXXX  account from credit reports.on XX/XX/year> this account was removed from my credit report and my score went up XXXX XXXX XX/XX/year> the credit agencies added it back on my credit report and my score went down XXXXthey violating my federally protected rights and I need your help protecting my rights.i am attaching proof that transunion XXXX and XXXX removed XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer reports on XX/XX/XXXX and added it back on XXXX XXXXaccording to section 605 6 ( a ) ( a ) they have duty to not to add items back on my report after removing them for identity theft.please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I'm trying to purchase a home for my XXXX kids before I die.please help me.theybare causing much stress and XXXX  XXXX  from violating my rights.i really need you to step in and help protect my federal rights under 15 usc1681c-2 in regards to blocking this account I am a victim of identity theft and several data breaches.ive files ftc report which I'm attaching as proof as well as the dispute letter I've mailed to all 3 bureaus numerous times.
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NV)

I have filed multiple complaints against First American Title with the CFPB. The last complaint #  XXXX , First American failed to answer all of our questions truthfully and provide documentation as we requested. THIS IS NOT A DUPLACATE COMPLAINT! Per the CFPB directors office, if a company fails to answer all our questions or fails to provide documentation, we are allowed to file an additional complaint against the company until they respond accurately! We are currently exercising our rights to file an additional complaint against First American Title. We request that First American answers all of our questions truthfully and provide documentation! First ; First American stated in the previous complaint that the lenders instructions requested a copy of the Deed of Trust to be sent to the lender with the original being retained for recording. Does First American have the written instructions from   XXXX   XXXX   XXXX   collaborating your statement? If so, please provide the written statement from   XXXX   XXXX   XXXX  ! Second ; First American Title stated that they retained the original Deed of Trust for recording but sent the copies to   XXXX   XXXX   XXXX   prior to recording. Does First American Title have any additional records such as shipping and tracking information to prove that they sent our original Deed of Trust to   XXXX   XXXX   XXXX   after recording on  XXXX   XXXX  2006? If so, please provide documentation ( shipping information ) on the carrier that shipped this package to   XXXX   XXXX   XXXX   which contained the original Deed of Trust! Third ; please provide which carrier, date and tracking number used to send the original Deed of Trust to   XXXX   XXXX   XXXX  !
We are not harassing your company. We are seeking the truth and justice if any wrong doing has occurred. If First American provides the answers to our questions and provides the documentation that we seek, we will cease and desist all complaints. If First American fails to do so, these complaints will be provided to the District Court of Nevada in order to help identify any wrong doing and assist the State of Nevada to prosecute the person or persons that violated the laws.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Motormax Financial Services Inc. (SC)

I refinanced my XXXX on XX/XX/2016. The vehicle was used as collateral for the loan. On XX/XX/2016 I was involved in an accident and the vehicle was a total loss. I just had liability insurance on the car at the time and the loss was not covered. I drove for XXXX and now I had no income since I had no car. I was unable to continue to pay on the loan. The loan company sent me a letter and said that the loan would be paid in full and the debt settled if I could pay XXXX. I worked with my insurance co. for several weeks and finally they did agreed to pay for some damage. ( comprehensive/falling objects. ) When my insurance company called the loan company to find out the amount they needed to send to pay off the loan, they were told by the loan company the payoff was XXXX! I went back to the loan company and they said they were not going to honor the settlement agreement they had agreed to. I looked more closely at the loan documents and how I was treated and feel the loan situation was predatory. This has put me in a bad financial situation.
Consumer complaint received 2024-10-02
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Method Of Verification Request To whom it may concern, I have repeatedly requested that you investigate the accounts below and provide me with any documents to support your reporting. As of today, you still need to supply such documents. 

Accounts : XXXX. XXXX  - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX - XXXX ( Late Payment ) I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by your agency in my earlier disputes. 
All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

Written proof that you forwarded all the relevant information in my earlier disputes to the creditor. FCRA 611 ( a ) ( 2 ) ( B ) If such information can not be provided within 30 business days, I demand the complete removal of the account from my credit report.

I am keeping careful records of our communications in case I must file a complaint to seek relief and monetary damages under the FCRA Sections 616 and 617. 

After you've completed your investigation, please send the results to me via mail. 

Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 

My information is as follows : Full Name : XXXX XXXX XXXX : XXXX Date Of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Thank you for your time, XXXX XXXX
Consumer complaint received 2024-07-30
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 XXXX Account Name : XXXXXX/XX/XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX 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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.