davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

After discovering this derogatory mark on my credit report and requesting information from this debt collection agency, i have come to the conclusion that this was a result of me being a victim of identity theft. National credit adjusters provided me with the information i requested and also asked that I submit an Identity Theft Report. I have already emailed them my identity theft report after they somehow got ahold of my email and sent me an email requesting the identity theft report. I also attempted to reach out to XXXX XXXX with the phone number I was provided in the letter i received but have yet to speak with him after leaving a message and calling several times to inform him of the identity theft report. They now have my information and have sent me a written letter through mail of the debt I have been disputing with them. I do not wish for them to have any of my personal information such as my phone number, home or email address, etc and ask that this collection be closed and removed from my credit report immediately.
Consumer complaint received 2024-08-19
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

I have a lengthy history with NationStar Mortgage with unaccounted funds roughly on the order now of {$110000.00}. First i received a notification from NationStar that i was roughly XXXX in arrears ( while in active BK ) that prompted for investigation. On or about XX/XX/XXXX i sent a qualified written request. The response was revealing not only was i not coded for active BK they also claimed not to have received at least 7 months of payments totalling the same. I requested forensic audit of missapplied funds with no success. Well i let it go because my Bankruptcy attorney told me since i was in an active chapter XXXX plan calling for a cram down to pay off mortgage note in 5 years once discharge was received i would be vindicated. However, for personal reasons i chose to dismiss plan voluntarily. On or about XX/XX/XXXX i sent letter of intent and QWR again to NationSTar requesting normal mortgage servicing and reconciliationof roughly {$110000.00} or more of funds which were mailed directly from Chapter XXXX trustees office. Upon dismissal not only did Nationstar inform me that the account was not coded for normal servicing but that they could not account for all the funds received. I was further notified today on XX/XX/XXXX at in fact i was contractually up to date but that i had a balloon payment under " corporate advances '' of {$70000.00} in addition to a principal of {$35000.00} which was due as a balloon note and will come due on XX/XX/XXXX. I was further informed that this balloon was a result of a streamline in house modification which i never approved nor was not made aware of the of the contents of such an offer much less affix my signature to the same ( all done without the trustees permission ). Apparently a very crafty investor at play, On XX/XX/XXXX i sent another QWR requesting proper application of funds with not so much as a letter to provide outcome. On or about XX/XX/XXXX i was told a letter wen tout to bk attorney that cram down as void but with no accounting of the funds received. Contractually under original terms of mortgage i had a 30 year fixed rate mortgage at 7,125 % with a payment {$1700.00} taxes and insurance included. Through the plan Nationstar was received {$2000.00} and upon filing petition i was only 2 months delinquent. Basically there are violations of consumer protection law on several fronts. I will attach evidence of my intent to communicate with NationStar to resolve this issue. I am a firm believer that a lot of problems with banks stem from miscommunication. However, in the present matter the facts do tell a more revealing story.
Consumer complaint received 2024-08-16
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Equifax is reporting false and inaccurate information. I have disputed this account multiple times and Equifax continues to violate my consumer rights by reporting false and incorrect information. Please VERIFY that this account belongs to XXXX XXXX and VERIFY that the account balance is correct. Please verify the payment history. Please provide any documentation that proves XXXX XXXX gave written permission to Equifax or XXXXXXXX XXXX that authorized either entity to furnish/report the non public personal information of XXXX XXXX . Please provide documentation of the initial investigation before this information was procured to my credit file. According to the FCRA information reported MUST BE accurate and correct.
Consumer complaint received 2024-08-19
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. (CO)

equifax removed inquiries i disputed then added it back XXXX my credit file. I need everything removed again ALL INQUIRIES ARE FRAUD AND/OR NOT AUTHORIZED REFUSES TO RESPOND TO ALL CERTIFIED LETTERS DISPUTING INQUIRIES
Consumer complaint received 2024-08-15
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. (FL)

I need your assistance with the false account listed on my credit report. Im raising this issue because it has negatively impacted my reputation, and I require your help. Your mishandling of my credit report has left me in a difficult position, as the false information has severely damaged my reputation. It is crucial that these inaccuracies are eliminated so I can move forward with my family.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade XXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention fraudulent personal information linked to my identity. Certain accounts and transactions have been wrongfully attributed to me without my knowledge or consent, causing significant distress. As a victim of identity theft, I have reported the incident and urge you to address this matter promptly, as it has adversely affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am ready to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent issue is greatly appreciated.
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (IL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$160.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$160.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$4100.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$450.00} under the account number XXXX, and a personal credit card account opened at XXXX on XX/XX/XXXX with a balance of {$21.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, charge offs, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, charge offs, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XXXX XXXX XXXX I am writing to formally dispute inaccuracies in my credit report as provided by your agencies. My name is XXXX XXXX XXXX, and my Social Security number is XXXX. My report contains conflicting information regarding my auto loan accounts, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : XXXXXXXX XXXX XXXX Account Number : XXXX Status : Closed Balance : {$16000.00} Payment Status : Voluntarily surrendered, {$510.00} past due. 
XXXX XXXX XXXX XXXX Account Status : Open Balance : {$16000.00} Payment Status : In good standing, 100 % on-time payments. 
Inaccuracies Identified : The XXXX XXXX XXXX account is reported as closed and past due, while the XXXX XXXX XXXX XXXX  account states it is open and in good standing, despite being the same loan. This contradiction raises concerns about the accuracy and completeness of my credit report under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). It is troubling that two different companies are reporting the same account under different names, which causes confusion and potential harm to my credit profile.

Additionally, under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified by the consumer as resulting from alleged identity theft, not later than four business days after receipt. This account may be a result of identity theft, and I request that it be blocked accordingly. 
Violation of Rights : In accordance with the Fair Credit Reporting Act, these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Pursuant to 15 U.S. Code 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S. Code 1681 section 604 A Section 2, a consumer reporting agency can not furnish accounts without my written instructions. 


I request that you provide the original copy of the agreement and terms & conditions associated with this account. Failure to comply will result in the forfeiture of your claims and necessitate the deletion of the items listed above from my credit report. Additionally, you are required to block these transactions from being reported to my consumer report within 4 business days from the date of receipt of this notice. 
Failure to resolve these inaccuracies and comply with legal requirements will lead me to seek damages of {$1000.00} per account as provided by law. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: M&T BANK CORPORATION (WA)

Me, my son XXXX and daughter in XXXX XXXX XXXX just purchased a property that was serviced by M & T bank, that had an assumable FHA mortgage attached to it. The loan number is and was XXXX. 

The facts surrounding this process were unremarkable, up until just before closing. M & T approved our assumption, and XXXX of the lender 's conditions were that the buyer ( XXXX ) were to pay the XXXX payment for a closing date of of XX/XX/2023. 

It is well settled and understood that mortgage payments are made in arrears, which means that M & T 's requirement that WE pay XXXX 's payment ( which is XXXX 's interest ) is wrong on three fronts : XXXX ) It interfered and changed the contractual agreement between the buyer and seller, which did not provide for the buyer to pay the seller 's interest payment for the month, which in tort is an interference in contractual relations. 
XXXX ) Violated well established nationwide practice by all closing agents, mortgage companies, and industry professionals, 3 ) Violated FHA rules as it relates to assumptions. According to the XXXX, FHA forbids a mortgage company to charge the buyer on an assumption any more than {$900.00}. M & T 's requirement as a condition of closing that we pay the XXXX XXXX payment violates this rule in addition to the above mentioned transgressions. 

It is therefore requested that M & T either refund us the XXXX, or apply it as a credit for our XX/XX/2023 mortgage payment.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-07-11
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX, account numberXXXX. XXXX XXXX XXXX, account number : XXXX. And XXXX XXXX XXXX account number : XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this 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.

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 2024-07-11
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-11
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)

Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.
Consumer complaint received 2024-07-11
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.