davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-16
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)

XXXX*Subject : Violation of Fair Credit Reporting Act ( FCRA ) Failure to Provide Debt Validation** Dear CFPB, I am writing to file a formal complaint against Sunrise Credit Service , regarding an entry on my credit report and their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

**Details of the Complaint : ** 1. **Creditor/Collector Information : ** - **Name : ** XXXX XXXX XXXX - XXXX*Account Number : ** XXXX XXXX. **Nature of the Complaint : ** - **Date of Dispute Request : ** XX/XX/year> - **Issue : ** I do not have any recollection of doing business with Sunrise Credit Service XXXX Despite my request for debt validation, which I submitted on XX/XX/year>, they have failed to provide a proper debt validation or purchase order. 

XXXX. **Violation of FCRA : ** - XXXX XXXX XXXX has failed to comply with the FCRA requirements by not providing a valid debt validation in response to my request. As required under 15 U.S.C. 1692g of the FCRA, they are obligated to provide verification of the debt upon request. Their failure to do so constitutes a violation of my rights under the FCRA.

4. **Requested Action : ** - I am requesting the immediate removal of this entry from my credit report. This collection account is inaccurate and unverifiable, and its continued presence on my credit report is adversely affecting my creditworthiness. 

Please investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I would appreciate a prompt resolution to this issue and confirmation of the removal of this incorrect entry from my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of 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. (CA)

XXXX XXXX XXXXXXXX XXXX inaccuracies and intentionally reporting false balance, MCM ( XXXX XXXX XXXX XXXX reporting to the CRA XXXX ( Consumer Reporting Agencies- Equifax, XXXX and XXXX ) XXXX reporting amount balance of {$670.00} and the amount past due {$670.00}. 
Original creditor XXXX XXXX Bank reported to the CRA 'S on credit report XX/XX/year>, that the amount balance of {$570.00} and amount past due {$150.00}. 
See attachments. 
XXXX XXXX XXXX also reporting two accounts on my credit report. See attachment. 
Delete and remove these duplicate accounts immediately. 
XXXX XXXX XXXX # XXXX, XXXX XXXX Equifax XXXX and XXXX.
Consumer complaint received 2024-07-06
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. (TX)

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.

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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
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. (NC)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-07-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OK)

I had received my social security back pay on XX/XX/ and was going to use it to purchase a vehicle. I searched for chimes website and contacted them via the phone number on the site. I spoke to a representative named XXXX XXXX, in an attempt to increase my debit card limit to purchase the vehicle waiting for me at the dealer. XXXX had stated that accounting needed to verify funds to raise my point of sale limit on my debit card, and made 2 transfers of {$2500.00} each totalling {$5000.00}. One payment went to email address XXXX and the other one went to XXXX. at the same time 2 other debit card transactions came through. One for {$500.00} and one for {$1500.00} to XXXX. After spending 3 hours on the phone with XXXX, who was " working with accounting '' to put the money back in my account, and ended up giving me the phone number to their accounting team. That phone number was chimes REAL number, where they confirmed no chime representative was in my account before that. XXXX stayed on the phone during this, and the chime rep even spoke to XXXX, who was confirmed to be impersonating a chime rep, buy the real chime rep. They assisted in disputing the 4 transactions, neglecting the information i provided about the fake rep/site. They were originally all denied. I reached back out and resubmitted the information, making sure the rep put it all in, and they have only credited back the {$500.00} and the {$1500.00} debit card charges, but denied the {$5000.00} dispute saying the reason being " no error occurred ''. All 4 transactions occurred at the same time, and I don't believe chime is handling this appropriately. I have provided them with the police report 3 different times, and was told by 3 separate reps that the {$5000.00} was PROMISED to me by XXXX XXXX XXXX, and was denied with the reason being " no error occurred '' via email on XX/XX/. I am XXXX, without a home or a car and was desperately needing this money to get back on my feet after leaving a highly XXXX XXXX and trusted chime with my funds.
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. (GA)

My account with XXXX 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 in 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 2015-08-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KS)

On or about,XX/XX/XXXX, My husband and I, bought our first and only home through XXXX XXXX Mortgage XXXX XXXX , Ks . With interest rate of 9.4 %, 30 year loan, last payment to be, XXXX/XXXX/XXXX. Amount financed {$40000.00}. Then on or about XXXX to XXXX, XXXX XXXX Mortgage took over our loan. Beginning balance of {$41000.00}, interest rate 9.4 %. Then on or about, XXXX to XXXX, XXXX Mortgage took over our loan. At this time I believe the loan was modified and interest brought down to 8.5 %. Then on or about, XXXX, Aurora Loan Services Inc. took over our home loan. During the time with Aurora the loan was modified to Interest rate of 6.0 %. Then on or about, XXXX to XXXX, XXXX loans took over our loan. With interest rate remaining at 6.0 % as of XXXX/XXXX/XXXX. Balance of {$37000.00}. Then on or about, in XXXX XXXX XXXX XXXX took over our loan, principal balance, {$40000.00}, interest rate 6.0 %. Then on or about XXXX, to present, NationStar mortgage took over our loan. With interest rate remaining 6.0 % and principal balance of {$32000.00}. 
I have made attempts at investigating with, XXXX, XXXX XXXX XXXX, and Nationstar, asking for explanations of how our loan beginning in XXXX to currently XXXX, ( which is approximately 23 years ), could have a balance of {$32000.00}. Meaning we have only paid {$8100.00} in 23 years? But no one is willing or able to investigate our loan thoroughly for accuracy of our payments and credit for those payments. Unfortunately, we were ignorant to believe that banks do n't make mistakes, and we should have balanced our loan payments like we balance our check book. Although, we may have had some life events that caused our less than perfect credit, this loan still makes no sense because I am certain that had we only paid {$8100.00} to our principal balance in 23 Years, we would not still have our home. We are current on our payments as well.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to follow up on a matter of great concern that I have previously brought to your attention. An account on my credit report is inaccurately marked as a charge-off, and this erroneous information is causing significant damage to my credit score and financial reputation. 

This account has been incorrectly reported as a charge-off. After thoroughly reviewing my records, I can confirm that this is a mistake. I have never defaulted on this account, and it should not be listed as a charge-off on my credit report. 

The presence of this inaccurate charge-off is having a devastating impact on my creditworthiness, making it difficult for me to obtain the financial services I need. I am deeply concerned that despite my previous correspondence, this issue has not been corrected.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi! There are errors on my credit report that significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a listed accounts here : 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 XX/XX/XXXX Erroneous address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Erroneous Name ( XXXX ) : XXXX, XXXX, XXXX because laws said one name, one address and one email or birthday so there is two names in my consumer report so it has to be one got ta go so it can't be commons like this.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My issue with Nationstar pertains to a 30 day late payment incurred on my mortgage for a missed payment for XXXX 2014. The late was caused by me being defrauded by a man named XXXX XXXX, posing as a licensed mortgage professional to refinance my home, who ended up stealing over {$4000.00} from me. He insisted that I not make my XXXX 2014 payment to Nationstar as the new loan at a 2.99 % 30 year fixed rate was going to close and funds would be on their way ( See attachment ). When Nationstar called me, I let him know that I was going to make the payment ; he insisted that he had later spoken to Nationstar and all had been resolved and a check was on its way to them. Finally when nationstar called me and told me no check was received I quickly made the payment. At that time I became suspicious and started to investigate the matter to find that there was no such refi loan in process I then discovered the individual was a convicted felon who had a history of defrauding people and had his Real Estate license revoked and had a cease and desist order against him from the Dept of Real Estate ( See Exhibit B ) He defrauded me by getting all my bank information and in addition to charging me for loan fees for this non-existent loan, he ended up using my bank account funds fraudulently and ran {$4300.00} worth of fraudulent charges. 

The XXXX XXXX County Deputy District Attorney 's office has also confirmed that XXXX XXXX XXXX has defrauded another XXXX people, for which they DA 's office is taking legal action against him ( see attachment ). As the DA 's office also suggested I also filed a law suit against XXXX XXXX, and got a court ruling against him ( see attachment ) The XXXX XXXX County District Attorney Special Investigations Operations Dept also took legal action against XXXX XXXX XXXX and arrested him. 

I also forwarded Nationstar my XXXX XXXX bank statements which showed that I had over {$35000.00} in my account at the time, which were more than sufficient funds to make the mortgage payment The late payment incurred on my Nationstar loan due to this issue was due to the fact that I was misled and defrauded. Earlier this year I brought this issue with Nationstar to remove the late payment and even sought the help of the CPFB. Nationstar however refused to remove the late payment and in turn to hurt my credit even more than legally permissible put a fresh new late payment on my credit report for XXXX 2014, whereas before this issue was brought up they were only reporting a XXXX 2014 late payment.
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. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2019-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. Remove XXXX XXXX, US DEP ED 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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-06
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. (GA)

My information was sold and bought illegally because I was a victim of Equifax data breach. I want these items deleted from my credit report effectively immediately. I am attaching proof that my Equifax has admitted That I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit Report.
Consumer complaint received 2024-07-08
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. (AZ)

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.

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.