davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XX/XX/XXXX TO : THE CONSUMER FINANCIAL PROTECTION BUREAU What is the complaint about? Nationstar Mortgage Fraudulent Activities/Harassment What type of problem are you having? Fraud, Harassment What Company is involved? NATIONSTAR MORTGAGE Who are the people involved? I act on my mothers behalf and was granted power of attorney. My mom, who is XXXX, was diagnosed with XXXX. What Happened? On XX/XX/XXXX my mother received a letter from XXXX XXXX, Chapter XXXX Trustee informing her the Chapter XXXX Plan was in the closing process and from this date forward to make mortgage payments to Nationstar Mortgage, LLC in the amount of {$1100.00}. Nationstar was ccd and received a copy of the letter. Since XX/XX/XXXX to present, payments in the amount of {$1100.00} have been made to Nationstar. On XX/XX/XXXX, we received notice from our attorneys the Chapter XXXX plan was discharged. On XX/XX/XXXX, we received a letter from Nationstar stating the account is delinquent and listed the default date as XX/XX/XXXX. Nationstar alleges the account became delinquent prior to the XX/XX/XXXX, discharge date. They are making this claim even though on XX/XX/XXXX, they filed a Response to Notice of Final Cure Payment checking the box that they agree that Debtor has paid in full the amount required to cure the default on Creditors claim. I called Nationstar and they insisted the {$1100.00} payments were partial payments and the correct payment amount is {$1500.00}. I subsequently reviewed Nationstars online report which showed they were posting payments of {$1500.00} although the stated amount to be paid {$1100.00}. From XX/XX/XXXX to present, Nationstar has called on a daily basis numerous times throughout the day. These calls continue despite the fact Nationstar received notice we have legal representation. On XX/XX/XXXX, our attorney sent a letter to Nationstars attorney who filed the response to the final cure, and to date, Nationstar has not responded. On XX/XX/XXXX, our attorney filed a Motion to Deem the Mortgage Current and a hearing was set for XX/XX/XXXX. Nationstar did not attend the hearing or respond to the attorneys correspondence. The court wrote its tentative ruling on our motion to deem the account current. On XX/XX/XXXX, our attorney informed me the Court will send the final order to Nationstar. Despite the legal actions, and ruling in our favor, Nationstar continues to call and harass my mom and I daily. I have documentation to support our position, however I can not not share all of it as it is protected by the attorney-client privilege.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

These accounts have been erroneously reported on my credit file, and I am exercising my right to dispute and investigate them. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each error.
Consumer complaint received 2024-08-16
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. (IL)

I am a victim of identity theft. I have provided the bureaus with documentation, and police report and nothing changed before so I am now taking the step to report for these fraudulent accounts to be blocked or removed from my credit report. As per the guidelines delineated in the Fair Credit Reporting Act ( FCRA ), I retain the right to contest any inaccurate or fraudulent information reflected on my credit report. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of identity theft and would like all listed accounts to be blocked and deleted. 

Transunion these are the accounts that are fraudulent. XXXX XXXX XXXXXXXX line secured with account XXXX XXXX XXXX XXXX XXXX  and a balance of {$260.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX secured with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX  Credit Card with account # Unknown opened on XX/XX/XXXX and a balance of {$2100.00}. 

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Neglect Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability fro willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to you with a heavy heart and a deep sense of disappointment regarding the handling of my account. Despite my payment of {$180.00} on XX/XX/year>, I was reported as 30 days late on my credit report. This news has left me utterly disheartened and distressed, as it unfairly tarnishes my credit history and financial credibility. 

Adding to my distress, I also noticed a loan payment reversal in XXXX, but I don't show a corresponding credit reflected in my bank account. This discrepancy has only added to my confusion and concern.

I implore you to rectify this error on my credit report immediately. The impact of this incorrect reporting has already cast a shadow over my financial standing, and I fear the repercussions it may have on my future financial endeavors.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. XXXX 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Do you know or have any idea how XXXX it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX - XXXX Bank of America and disputed credit card charge of {$5300.00} and {$300.00} from XX/XX/XXXX and XX/XX/XXXX for Why XXXX XXXX Also highlighted the amounts {$300.00}, {$300.00}, {$100.00}, {$600.00} they charged between XXXX and XX/XX/XXXX from my checking account. I explained them everything in detail on how this company has scammed me and is scamming several people out there. 

XX/XX/XXXX - Bank of America sent me letter to send all the proofs to them by XX/XX/XXXX. 

XX/XX/XXXX - I sent all the paperwork to Bank of America explaining how I was scammed and did not get the products or services as portrayed. 

XX/XX/XXXX - Bank of America denied my claim saying company has to be paid for the work which clearly means they did not go through the documentation I sent which shows in great length how they scam people and did not deliver the product and service they said. 

XX/XX/XXXX - I called Bank of America and appealed the decision and requested them to go through the documentation and do some research online to see how this is a scam. 

XX/XX/XXXX - Bank of America denied my appeal with the same reason as they put in denied letter. 

XX/XX/XXXX - I called Bank of America and asked them to send me all the paperwork that led them to believe that this is not scam and they have done work. I have not yet received anything.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : $ XXXX late open XXXX XXXXXXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX late open XXXX XXXXXXXX Balance : $ XXXX late open XXXX XXXXXXXX Balance : XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX  account was paid in full and collection agency agreed to delete and remove this account from my credit report upon receiving payment. This account still shows I owe a balance and has not been deleted from my credit report.
Consumer complaint received 2024-08-16
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-07-06
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. (NY)

I am sending a complaint regarding inaccurate accounts on my credit report that was still reported and I am seeking for your assistance in despite of my previous request and kindly request your assistance in getting it to correct. The inaccurate account is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The LAST REPORT date has been inconsistently updated. On XXXX, the date last active is XX/XX/XXXX. On XXXX, the date last active is it's XX/XX/XXXX. On Equifax it's XX/XX/XXXX. The LAST ACTIVE date has been inconsistently updated. On XXXX, the date last active is XX/XX/XXXX. On XXXX, the date last active is it's XX/XX/XXXX. On Equifax it's XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Repeatedly reporting updates every month or each time the account is inquired about, the statute of limitations is extended, every update makes the account look newer than it is. Re-aging the account is illegal. Please delete these accounts from my report : Account Name : XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-16
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. (NJ)

I am filing this complaint against Equifax Information Services for their failure to maintain accurate information on my credit report and their inability to verify disputed accounts, which is a violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

Despite multiple attempts to correct my credit report, Equifax continues to report incorrect personal information and inaccurately list several accounts that do not belong to me. Specifically, my credit report contains the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX These addresses are not mine, and I have repeatedly requested their removal, but Equifax has failed to correct them. 

Furthermore, Equifax continues to report several accounts inaccurately. These accounts include : XXXX Card Services Reported : XX/XX/year> Balance : {$1600.00} Status : Closed XXXX  XXXX  Reported : XX/XX/year> Balance : {$2000.00} Status : XXXX XXXX XXXX XXXX Reported : XX/XX/year> Balance : {$4100.00} Status : Open XXXX XXXX  Reported : XX/XX/year> Balance : {$550.00} Status : Open I have disputed these accounts with Equifax before, but they have failed to verify their accuracy or remove them from my report. Under XXXX XXXX. XXXX, Equifax is required to investigate disputed information and correct or delete any inaccuracies within 30 days. Their failure to do so is a clear violation of federal law. 

Additionally, under the New Jersey Fair Credit Reporting Act, XXXX. XXXX, I am entitled to accurate credit reporting. XXXX continued reporting of incorrect information is causing significant harm to my credit and financial well-being. 

I am seeking the CFPBs assistance to ensure that Equifax corrects these errors immediately. I demand the removal of the incorrect addresses and the disputed accounts from my credit report. Please provide oversight and enforce the necessary corrective actions against Equifax to prevent further violations.
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (AL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-16
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: EQUIFAX, 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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 : XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-07-06
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXXXXXX Balance Owed : {$7800.00} DEPTEDXXXX XXXX Balance Owed : {$3900.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1300.00} DEPTEDXXXX XXXX Balance Owed : {$2300.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1300.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$2000.00} DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1300.00} DEPTEDXXXX XXXX Balance Owed : {$6600.00}