davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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. (FL)

On XXXX XXXX I sent an email to the CEO of XXXX XXXX XXXXXXXX requesting the removal of a negative item from my credit profile being reported to the credit bureaus by XXXX XXXX XXXXXXXX. Shortly after I received a phone from a company representative and on that phone call I request proof of signed documents pertaining to the account in question. XXXX XXXX XXXX has failed to provide those documents in a timely manner and I question if they even exist. Which is why I demand the account be permanently deleted from my credit profile. 

15 U.S Code 1666b timing of payments 15 U.S Code 1681i procedure in case of disputed accuracy
Consumer complaint received 2024-07-12
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. (PA)

XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To Whom It May Concern, This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my consumer credit report on XX/XX/XXXX, without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618 ( a ) 3 ( 1 ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX. XXXX ). I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. To avoid any of these penalties, I demand that these inquiries be removed immediately. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to : XXXX XXXX XXXX XXXX XXXX, PA XXXX Best Regards, XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disagree with the information listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit worthiness. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation with the information update immediately. 

NAME : XXXX XXXX XXXX XXXX : XX/XX/year> ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER :
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (HI)

Loancare has misapplied another principal reduction payment. They have done this several times in the last 6 months. They do not respond to inquiries through their website and the only department that can resolve is the cashiering department. The cashiering department does not take phone calls or communicate with customers. 

The date of the most current misapplication of the principal reduction payment is XXXX2019. The principal reduction amount is {$10000.00}. It is written on the cancelled check, there was a sticky note attached to the check as well as a letter stating the payment was to be applied to principal reduction. 

I have never been late with a payment and specified any payments sent that were principal reduction only.
Consumer complaint received 2024-07-12
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/year> Reference XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-12
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. (NY)

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX  XXXX.
Consumer complaint received 2016-10-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

My main concern is that Nationstar Mortgage is not my creditor nor the holder of my mortgage. Nationstar Mortgage is filing forged documents with my Recorder of Deeds ( Mortgage Assignment ). The assignment has been proven fraud and to make more insult of this situation, they have charged my alleged mortgage account for the filing and completing of the charges to file the forged assignment. The entire mortgage from inception was a sham and we just recently received information from the XXXX settlement that state that there is no way that the loan was originated with XXXX XXXX XXXX XXXX. I have provided this proof to Nationstar Mortgage and yet they continue to send me billing statements claiming that I owe a mortgage to them by way of assignment from XXXX XXXX XXXX XXXX. They even threatened foreclosure on my home without any right to collect but the evidence that I provided the court made Nationstar Mortgage mark that case settled, discontinued and ended without prejudice, so that they can now go back and create more fraudulent documents to probably start again. This company is violating debt collection rights and other offenses. I asked this company to provide my original paperwork and they even forged that information ; on their forged original application it states that we are both white and I am XXXX and my husband is XXXX. I am submitting a copy of all forgeries for your review. This company has also offered me an illegal payment plan including a new mortgage agreement which they would not be entitled to payment for. I asked for a copy of their business records and even in the records are transactions that say advise to call XXXX to create a mortgage assignment. The records also include a line saying that they are aware that the title is corrupted and that the assignments are fraud. I asked them to provide an original copy of the note and mortgage and both were forged and the mortgage even shows a different return to address, different signatures and initials. They were even so sloppy that they put part of the notary seal on opposite sides ( compare the mortgage fake document to the mortgage recorded mortgage to see the forgery ).
Consumer complaint received 2024-07-16
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: G&P Enterprises, LLC (CA)

I am being harassed by my HOA and debt collector for delinquent monthly fees. I missed a total of XXXX payments ( {$6100.00} ) but I started paying my balance due XX/XX/2024 which was accepted by the HOA. The collection agency put a lein on my condo as well as started the foreclosure process to gain payment. I have encountered phone calls, text messages, mail, home visits etc because of being on a foreclosure list by the debt collector. Indirect harassment. ( is this legal? ) Payment was accepted by XXXX, XX/XX/2024, but I was still referred to collection agency for payment. I sent additional payments but they were returned to my bank. I was told by the collect agent that if was recorded within 12 months, the collection process is invalid. I provided proof of e-payment. XXXX agency is now wanting physical proof of acceptance from HOA ( front/back of check? ) which I provided ( XXXX check confirmation/acceptance numbers ) ) but now that is not enough evidence. I tried to offer a settlement also but XXXX being told it was rejected. By who is unclear. So the collection agency wants almost $ XXXX to resolve this matter. Am I being taken advantage of? I can be reached at XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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)

Upon reviewing my credit report, I'm very disappointed to find that these unauthorized accounts still adversely affects my creditworthiness. It's crucial to understand the significant impact this has on my financial standing. Despite multiple attempts to rectify this issue by submitting letters to remove the account, TransUnion continues to report it, which is deeply concerning. XXXX and XXXX have already recognized the error and removed these accounts from their records. I urge TransUnion credit bureau to follow suit promptly. Immediate action is imperative to delete these fraudulent accounts resulting from identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-15
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)

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) High XXXX : {$4000.00} ( XXXX ), {$0.00} ( XXXX ), {$2400.00} ( Equifax ) Last XXXX : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date XXXX : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX, Equifax ) Balance Owed : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account XXXX : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( XXXX, XXXX ), Account disputed ( Equifax ) Creditor XXXX : Miscellaneous Banks ( XXXX ), Bank Credit Cards XXXX XXXX XXXX, All Banks ( Equifax ) Account XXXX : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( XXXX ), Subscriber reports dispute resolved - consumer disagrees ( XXXX ), Consumer disputes after resolution ( Equifax ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( XXXX, XXXX ), -- ( Equifax ) Payment Frequency : XXXX ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by XXXX ( {$4000.00} ), XXXX ( {$0.00} ), and Equifax ( {$2400.00} ). 
2. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On my Credit report a report of a charge off of {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. Request for a debt validation, and XXXX was requested with no response. 

My letter requested XXXX sent Account was charged off in please send a XXXX XXXX I have never received one Federal regulations require the creditor to file an information return on Form XXXX with the IRS. 26 C.F.R. 1.6050P-1 ( a ) ( 1 ). In addition, the creditor must also provide the debtor with a copy of the XXXX for his or her records. Id. XXXX ( f ) ( XXXX Capital One  XXXX Account was charged off in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Account info Account name CAPITAL ONE  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$3800.00} Highest balance {$4100.00} Terms - On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-07-16
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. (FL)

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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

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. 

Account number : # XXXX, Account number : # XXXX, Account number : # XXXX, Account number : # XXXX, Account number # 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 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested via a dispute to update the information on my credit report to show the actual current balance with the actual amount that has been paid off. This is impacting my credit score and impacting my debt to income ratio when looking for a home. 

I have paid on time each time and it seems as if they are only updating reports that show derogatory information, but good information should be reported as well, ESPECIALLY when there is a dispute regarding the information. 

I have rquested a change TWICE via disputes to Transunion and each time, it came back that the dispute was completed with no change to my report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

Equifax XXXX XXXX XXXX - {$2300.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX {$1300.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX Amount - {$280.00} Account number - XXXX Dated Opened - XX/XX/XXXX XXXX XXXX  Amount - {$6000.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX Amount - {$14000.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$720.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$180.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX XXXX Amount - {$19000.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$200.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX XXXX XXXX  Amount - {$700.00} Account number - XXXX Date Opened XXXX XX/XX/XXXX XXXX  Amount - {$340.00} Account Number - XXXX Date Opened- XX/XX/XXXX XXXX  Amount - {$730.00} Account Number - XXXX Date Opened XXXX
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed that XXXX XXXX XXXX entered account # XXXX on all three credit report. I have never contracted with or borrowed any money from this company. 
I requested that the provide me with any copy of a purchase agreement contract and a contract bearing my signature since i have never done any business with them. 

After months of waiting they failed to provide me with any of the requested information, i further asked them to remove the item from my credit report and they have ignored all of my request and continue to cause harm and financial damage to me.