davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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.

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 2023-10-18
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX says I owe for a credit card that was open to an address that I never even lived at I never took out or had a XXXX  XXXX card this isn't even my address where it was taken out please have XXXX  XXXX delete this from my XXXX and Experian credit reports
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I have tried to get a copy of my mortgage but no response. Following are emails sent to and from Mr. Cooper ( formerly Nationstar Mortgage ). 

LOAN NUMBER XXXX Why did my payment increase? The interest rate did not change. If it did why? Where in my mortgage agreement does it indicate you can change my rate and what is the rate change based on. I what detailed answers. XXXX XXXX XXXX Mr. Cooper 's response : Subject : Re :  Other ( Not Listed ) [ # XXXX ] From : XXXXXXXXXXXX Received : MonXX/XX/XXXX XXXX Thank you for contacting Nationstar Mortgage. 

We apologize for the less than satisfactory customer service experience you received and would love the opportunity to examine your issue further to find a satisfactory resolution. We have forwarded your inquiry to our Customer Relations Group and a letter of acknowledgement will be sent to you from your assigned Customer Relations Specialist within 5 business days. 

We understand that a mortgage is one of life 's most important investments, so taking care of your issue is our number one priority. 

The Customer Relations Group hours of operation are Monday through Friday, XXXX XXXX to XXXX XXXX Central Time and can be reached at ( XXXX ) XXXX. 


Should you have any additional questions regarding your account or to view details about your loan summary and recent account activity, visit us online at www.MyNationstar.com. You will have immediate access to : Frequently asked questions, A full payment history, Escrow information. 
Automatic payment enrollment Mortgage Loan, Escrow Account Disclosure, and Tax and Interest Statements As a valued borrower, your satisfaction is our top priority. If we can be of further assistance, you can contact us directly by clicking on the mail icon in the top left of your Nationstar Mortgage online account or you can call our Customer Service Department at XXXX. 

Sincerely, Research and Response Department Nationstar Mortgage LLC
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

This is a constant dispute with my public record at XXXX and Equifax. Bankruptcy on my credit reports has falsely been reported. This has hurt my credit tremendously. I have contacted this agency, XXXX the 3rd party vendor to dispute the claim. Since then XXXX has removed the reporting. Therefore it should be removed from the Credit Reporting Agencies. Equifax has not removed this from my public record and neither has XXXX. I have attached the letter from XXXX stating it has been removed. The monthly reporting of this is a violation in accordance with FRCA.
Consumer complaint received 2023-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

This is my deceased mothers credit card, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX. I am her executor. 
My mother died in XXXX and I contacted Comenity Bank numerous times and advised them of her death and inability to pay her credit card. At the time of her death, she had no money left. 

She had no estate. 

I sent documents of the above information with the death certificate. 

Comenity Bank calls me constantly daily, this is harassment. I have spoken to several people there and the debt continues to be unresolved. 

The constant phone calls are harassment and they need to stop. It is not my debt. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-18
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-18
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. (MO)

I am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account with Credit Bureuas. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my account. 
Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the fraud items in my credit file : 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 2023-10-18
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-14
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. (MI)

I have not supplied under the doctrine of estoppel by silence Engelhardt v Gravens mo 281 SW 715719 I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exist, no original signed contracts hasnt never been provided to me as requested in there investigation or shown by equifax to me to verify these accounts are mine. 

Remove the following accounts immediately from my credit file and remove from public records as requested I dont have any original written contract signed with these company. How were these accounts verified?, why know documentation hasnt been provided showing an original signed contract with these company by Equifax to me. 

XXXX XXXX  ( fraudulent account and charges XXXX XXXX ( is not mine this account is fraudulent charges and account, no signed contract or documentation has never been provided to me as requested in equifax alleged investigation 30 Day expiration has expired as well. 

XXXX XXXX XXXX ( this is not an collection of mine, XXXX XXXX XXXX doesnt have any written agreement or signed contract with me at all, and havent provide equifax any documentation that I own them a debt, equifax has fail to provide this information by stating this account is verified. But havent send any documentation to me as requested showing how it was verified, what steps was took to verify this debt, this is direct violation 15 U.S.C. 1681 S-2 ( a ) ( XXXX ) XXXX XXXX  account was report as fraud these fraudulent charges on this account has been report fraud an valid police report has been submitted to Equifax XXXX XXXX  has violated my FCRA rights by sharing information to a third party company by the name of resurgent Captial service without my written consent or instructions which is a direct violation under my rights 15 U.S.C 602 section 8 15 U.S.C. 604 ( a ) section 2 15 U.S.C. 1681 C-2 section c I dont owe any to XXXX XXXX  / or this third party collector by the name of XXXX  XXXX XXXX thats trying to seek a debt on there behalf or trying seek money out of me by falsifying there identity .I dont have any original written signed contract with either of these parties. And they have not provided any documentation within the last 30 days as requested, equifax has stated this account is completely verified, but how? When they have not provided any information or shown any written signed contract that bind me to this debt. If they stated its been investigated and verified Im demanding to send documentation to me showing the finding of there investigation and How and what sources led to verifying this account. The 30 Day expiration dates has expired, equifax has clearly violated my FCRA rights by neglecting to investigate throughly of these obvious fraudulent accounts and inaccuracies Police report, driver license, proof of residence, has also been provide several times as well. 

Remove these account immediately from my credit report!!
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

RE : Dispute of XXXX XXXX Account # XXXX I am writing to you in response to the notification dated XX/XX/XXXX, regarding my previous dispute for the above-mentioned account. Despite my numerous attempts to dispute this information, the inaccuracies continue to persist on my credit report. 

Following your agencies ' reinvestigation, the report still contains inaccuracies. Even after you received my previous dispute ( please see the attached document ), two differing dates of last activity remain on my consumer report - XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 

Moreover, after reviewing the alleged updates from your agencies today, the payment history on the account is reported differently by both agencies. XXXX reports my account was 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, current in XXXX and XXXX XXXX, 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, and 90 days late in XX/XX/XXXX. Conversely, Equifax reports that my account was 60 days late in XXXX XXXX 90 days late in XX/XX/XXXX, contains no data for XXXX and XX/XX/XXXX, was 60 days late in XXXX XXXX, 90 days late in XX/XX/XXXX, and 120 days late in XX/XX/XXXX. 

This continuous reporting of inaccurate information demonstrates that your agencies did not conduct a reasonable investigation and are non-compliant and negligent pursuant to 15 USC 1681n. The inconsistent data supplied by the furnisher is clearly unreliable.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (TX)

My husband and I believe that we were victims of predatory mortgage scams under Wells Fargo.for our home we purchased in XXXX in XXXX XXXX XXXX 

Due to financial hardship in XXXX due to medical bills, we requested a payment arrangement and asked for lower interest rate. We were informed that our rate was fair market value for our neighbors. We found later that we were paying me on our property thsn homrs with almost 50 % mark up higher than our home When we relocated to Texas in XXXX, we were forced to foreclose
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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, Equifax, 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 2023-10-18
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-18
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. (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 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 2023-10-18
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. (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 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 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 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, XXXX C.F.R. XXXX XXXX c ) ( XXXX ) ( i ). 
The lender states that they are unable to reduce the monthly payment - The lender has failed to review this borrower for a principal reduction or the HAMP program prior to XXXX/XXXX/XXXX - no offer of extending the terms to XXXX years with a reduction of the I/R to make the payment affordable - The client has also submitted contributor information and a change in circumstance regarding his financial obligations that would allow him to afford the mortgage payments are they are stated on the loan currently - The lender has made no effort to assist this borrower in a loan modification, an appeal was submitted XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX showing the change in circumstance, and they lender is still unwilling to modify the loan or assist the borrower in a principle reduction to retain his property.
Consumer complaint received 2023-10-18
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. (FL)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Balance : {$4100.00} : XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-10-18
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.