davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NATIONSTAR MORTGAGE LLC (FL)

To Whom it may concern, I 'm the owner of the property located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. My attorney is working on the title and we have found that there 's a problem, specifically there is a wrongfully recorded deed by your Selene Finance LP. Due to this wrongfully recorded deed, I can re-finance my property until they correct this issue! 
I 'm refinancing this property to be able to fix it on time, due to structural violations with XXXX of XXXX. For this reason, this property needs to be fix right away, before XXXX of XXXX orders the demolition of this building!!! 
On an email from XXXX XXXX XXXX from XXXX ( Former Selene Finance LP ) and the company who actually did the recording, the solution at my problem will be for Selene Finance LP to recorded a deed from them back to us!! 
I have this email and I 'm attaching this email to this complaint. 

I have called several times to XXXX XXXX XXXX ( the Grantor on the deed ) to phone number listed on public records, XXXX but this phone number is always busy. I have also tried to send them a fax, but your fax number is always busy! 
I was able to sent them a fax ( Fax confirmation is attached ) and several email without response as of yet ... 
I also mail them all a certified letter via USPS ( receipt attached ) I also contacted XXXX XXXX XXXX XXXX, Senior Closer & Team Lead, and XXXX XXXX XXXX, XXXX Lead, both employees from `` XXXX '' this company was previously named : Selene Finance LP and they are showing as the one who requested this instrument to be recorded. SELENE FINANCE LP is named on the top portion of the wrong deed with their address as the " Return '' to company. 
Please take whatever necessary action to resolve this problem immediately, so I can continue with the fixing of this property!
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. (OH)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-06-24
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-07
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 


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
Consumer complaint received 2024-07-07
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

I have written several letters to Equifax requesting that they correct and remove the following inaccurate personal information from my credit report : The following inquiries : 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. I also filed a complaint with the Cfpb on XX/XX/XXXX about this same issue with Equifax and they still have not resolved the issues. They are in violation of Section 1681e ( b ), ect Accuracy of Report of the Fair Credit Reporting act.
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. (VA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-06-13
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. (TX)

I sent letters to the credit bureau on XX/XX/year> requesting an investigation into the reporting of erroneous information on my behalf. I have not heard back from them and I have not received the results of their investigation as of today XX/XX/year>. I checked my credit report today and nothing has changed on my credit report. I know they have 30 days to investigate and they have not done that. I am asking that they delete the information from my credit report immediately.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My account with ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, 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 ( MONTHS REPORTING LATE ) 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, XXXX, XXXX XXXX XXXX XXXX XXXX, 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XX/XX/XXXXand TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please see attachments. 

This creditor goes by so many names : XXXXRetail, which is also XXXX and XXXX XXXX XXXX XXXX XXXX Creditor is confusing consumers. 
Account ending XXXX XXXX Account has been reaged several times over the years- evidence attached. 
Last payment XX/XX/XXXX bank statement attached. 
No payment all of XXXX ; reaging Theres no agreements or even communication between consumer and creditor to reage account. 

Account is inaccurate and incomplete. Different amounts, dates, balances, and activity than other CRAs Also a charge off receiving an IRS 1099C write off a certified letter was sent to XXXXRetail about this previously. 
Also, in collections, so the balance should say XXXX with no activity And account was also paid by the insurance premium in the finance charge This is corporate FRAUD.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my third attempt to notify you that I was harmed by incorrect credit report details and I write to dispute these items in my file resulting from this matter. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from the inaccuracies in my credit profile : 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 XXXXTransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-03-17
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: WELLS FARGO & COMPANY (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo for violating the Fair Credit Billing Act. Specifically, I believe that the credit card issuer re-applied a dispute on my credit card account after 60 days, which is in violation of the 60-day limit set forth by the XXXX Credit Billing Act. 

On XX/XX/2023 & XX/XX/2023, I made a purchase on my credit card with the above-mentioned credit card issuer. However, I discovered an error on my billing statement and immediately contacted the issuer to dispute the charge. After an investigation, the issuer removed the disputed charge from my account. 

However, I was surprised to find that the same charge was re-applied to my account after 60 days had passed. I believe that this is a violation of the Fair Credit Billing Act, as the dispute was initiated within the 60-day time frame.

I have attempted to resolve this issue with the credit card issuer, but have not been able to reach a satisfactory resolution. As a result, I am seeking your assistance in resolving this matter.

I would appreciate your prompt attention to this matter and request that you take appropriate action to ensure that the credit card issuer complies with the Fair Credit Billing Act. If you require any additional information, please do not hesitate to contact me.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-09-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WI)

In XXXX we had to refinance our home mortgage due to lose of employment. We went with a mortgage company called XXXX. We were told this was a 30 year mortgage. After a while we kept being sold with my mortgage company always changing. In XXXX my husband pay had decreased. I had to close my business and we fell behind I tried to refinance at that time our bank was XXXX XXXX XXXX they would not refinance and stopped accepting our payments we could afford. My husband became very ill in XXXX of XXXX. We had XXXX childreen move back home and grandchildren. We had to meet a man in XXXX from XXXX XXXX XXXX who had told us to stop paying our payments and then i would qualified for the relief program. After a few months I got a foreclosure notice. I tried to find help and ended up being a victim of a scram. Now I we are working with Nationstar martgage where again I thought we were on a 30 year fixed mortgage that is what they lead us to believe. I was making payments of XXXX every month then in XXXX our loan went up XXXX I did not know this until XXXX when I called the bank to find out how i could be behind. At this time our wages our being garnished for medical bills which is more than our mortgage payment. I tried to explain we could not afford that they said it was due to my escrow. I kept making my payment of XXXX a month which they held and did not put towards loan until they had enough to make the payment so then it looked like I was behind then then two months ago they stopped accepting payment. I have lived in my house for 27 years and always made a house payment except for the aboved mentions. I bought my house in XXXX for XXXX which was paid off in fall of XXXX thats when we went with the XXXX Mortgage company I believe the amount we were financed for was around XXXX. I just dont understand how after paying all these years I now owe XXXX. I have been deciding to give my house back to the bank I found out after checking different options I am not on a fixed mortgage and my current loan is for 45 years. My husband had brought home an article from work thats how I found you. I hope you can help Thank you XXXX XXXX
Consumer complaint received 2019-07-31
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: Experian Information Solutions Inc. (TX)

XXXX XXXX, acct number XXXX shows that I owe them {$840.00}. I dont know who this company is and have never done business with them please remove
Consumer complaint received 2019-07-31
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. (TX)

XXXX acct number XXXX has reported that I owe them {$790.00}. I dont know of any debt that is owed from me. I have never been extended any credit with them. Please remove