davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am submitting this complaint on my own behalf. After reviewing my credit record, I noticed late payments. I sent letters over 30 days ago but have not received a response, and they have not provided satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Be advised that Nationstar 's response, is factually incorrect, to my CFPB complaint # XXXX. " Please be advised the customer is represented by counsel. The response will be sent directly to their office. '' Unfortunately, all mail sent to my former counsel is returned back to Nationstar which means I may never have an opportunity to review their reply to my complaint. 

I want to point out that the counsel they are referring to has not represented me since at least XX/XX/2017 as identified within the complaint as Exhibit C in which my then attorney notified both Nationstar and the trustee XXXX XXXX  that he no longer represents me and that all future mailings need to be addressed to me directly. Thereby Nationstar have failed to update there records. 

Nationstar have been Noticed on several occasions to the fact that I am to be included in ALL correspondence, Nationstar fail to comply in this matter and further Nationstar have been additionally noticed that my attorney no longer represents me, on more than one occasion. If Nationstar had been diligent in actually reading the complaint in its entirety then Nationstar would have been made abundantly clear to this fact as it is outlined within the complaint. Apparently, Nationstar are of the mindset to simply ignore legitimate complaints, as is seen in this instance. Clearly they have no respect nor honor in their dealings with their " customers '' as this portrays a systemic lack of good faith and is absolutely worrisome to me the homeowner. As Nationstar know full well, by complicating this matter, to the extent that the foreclosure sale is actually completed, having the sale reversed or undone, is extremely complex and burdensome to homeowner, this being a tactic not uncommonly used to crush homeowners by giant billion dollar corporations such as Nationstar. If this is not Nationstar 's modus operandi, then Nationstar would have observed within the complaint that I need to be responded to directly and the former attorney of record be removed from correspondence. Perhaps Nationstar feel it is advantageous to play these games in essence the response shell game to there benefit as the complaint clearly outlines how Nationstar have yet again violated Washington State law and the ruse Nationstar uses to complicate this matter, by failing to respond in any way effectively to the homeowner. 

This is precisely a pattern of willful and deliberate indifference from Nationstar and should be noted for the record. Moreover, how can Nationstar work with me when they won't even send me mail ... any mail whatsoever? 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-09-27
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. (NJ)

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these letters being sent to these three bureaus, there has been no resolution or corrections.
Consumer complaint received 2024-09-27
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. (IN)

i have filed this FTC Identity Theft Affidavitand now with you at the cfpb to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : XXXX. A personal credit card account opened at XXXX XXXXXX/XX/XXXX 
XXXX. A personal credit card account opened at XXXX XXXX. 
XXXX. A personal credit card account opened at XXXX XXXX XXXX. 
XXXX. Another personal credit card account opened at XXXX XXXX XXXX. 
XXXX. A personal loan account opened at XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Consumer complaint received 2024-09-04
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. (TX)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of XXXX with my most recent XXXX
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MI XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Also multiple times they have repossession the car can not be repossessed every month.

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (TN)

On XX/XX/XXXX I made my normal payment of {$1000.00}. My mortgage payment had increased to {$1100.00}. I had no previous knowledge of the increase either electronically nor through regular mail service. The normal payment was received on XX/XX/XXXX but was not applied to my mortgage payment due to the {$100.00} that was short. I received a letter dtd XX/XX/XXXX stating my mortgage was in in default. They held my payment for the entire month of XX/XX/XXXX and would not post it until they received the full balance ( of which I was unaware until the letter ). I quickly made the payment and adjusted my monthly payments. On XX/XX/XXXX I received a email from XXXX stating my credit score had dropped. I went to the website and found out the mortgage company had reported a missed mortgage payment which in turn dropped my score 90 points. Point one : I never missed a payment, they had it all along. Point two : if my score had not been excellent, this would have dropped me into the fair to poor credit range. Point three : if I  had needed to purchase something on credit I would have been forced into a higher interest rate due to Mr Cooper 's misleading information. If they did this to me what are they doing to others with less credit scores. This provides markets to capitalize with higher interest rates forced onto consumers. From the time I purchased this house I have never been late nor missed a payment. This was an error on their part and I refuse to stand by and be manipulated and I do not want to see this happen to hundreds or thousands of other consumers.
Consumer complaint received 2024-09-26
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. (LA)

XXXX XXXX XXXX XX/XX/XXXX SS # XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( bank ) XXXX bank with a balance {$940.00}, ( Collection ) XXXX XXXX XXXX with a balance {$170.00}, ( Loan ) first heritage with a balance of {$0.00}, ( bank XXXX XXXX XXXX bank with a balance of {$0.00}, ( bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX with a balance {$0.00} ( loan ) XXXX  with a late payment XX/XX/XXXX, ( XXXX ) XXXX XXXX services late payments XXXX, ( inquiry ) XXXX XXXX XXXX ( date ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( date ) XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-25
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. (AR)

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my deep concern and frustration regarding the multiple collections accounts on my credit report with XXXX XXXX XXXX. I disagree with the prior investigation done by the bureau, and I have serious doubts about the accuracy and legitimacy of these collections. 

I was not provided with any information on how my debt was validated, who validated it, the original contract, and the services provided. As a consumer, I have the right to be informed of these details, and I have not received any information regarding them. This lack of transparency and communication is unacceptable and violates my rights as a consumer. 

Furthermore, I am extremely concerned that these collections have been verified and validated to ensure that every piece of information is 100 % accurate. It is essential that these collections are thoroughly verified and validated, and I have doubts that this process has been carried out as it should be. I am worried that my credit report has been negatively impacted by inaccurate and illegitimate information, which can have severe consequences for my financial future. 

Therefore, I demand that these collections be removed from my credit reporting immediately and that my rights be protected. I am willing to cooperate with any further investigation to prove my innocence and clear my credit report. It is imperative that XXXX XXXX XXXX takes appropriate action to resolve this matter and ensure that all information on my credit report is accurate and legitimate. 

In conclusion, I am extremely disappointed with the way XXXX XXXX XXXX  has handled this matter, and I urge you to take immediate action to remedy the situation. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-27
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-27
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. (TX)

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 :
Consumer complaint received 2024-09-23
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. (FL)

I would like to report a potential case of mortgage fraud to the Federal Trade Commission. I believe that XXXX XXXX XXXX securitized my promissory note and sold my personal information without my consent to another bank/servicer and/or the credit bureaus. I am concerned that this may be a case of mortgage fraud and would like to alert the FTC for further investigation. ''
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION 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 2024-09-27
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC (CA)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX To whom it XXXX concern, After reviewing my credit reports, Ive noticed these unknown accounts. These accounts are products of identity theft, I am denying any responsibility for these accounts. 

XXXX XXXX : WESTLAKEFINANCIAL SVC-Account # XXXXXXXX XXXX XXXXAccount # XXXX Now please send all copies of the original documentation that legally connects me to these accounts, Also, the true ownership of the debt. These are unknown accounts to me and if you cant send me any proof, they must be removed. Please cease all collection attempts and remove accounts. Please respond in writing within 30 days so we can resolve this matter without any more violations. 



Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved