davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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
Consumer complaint received 2024-07-22
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. (TX)

I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 

This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files THESE ARE THE FRAUDLANT ACCOUNTS XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THEFT - I HAVE KNOW KNOWLEDGE OF THIS FRADULANT ACCOUNT.FCRA .-PURSUANT 15 USC 1681 ACCURACY FAIRNESS OF CREDIT REPORT NO PERMISIBLEPURPOSE
Consumer complaint received 2024-05-27
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 

XXXX XXXX
Consumer complaint received 2024-05-26
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. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage was transferred from XXXX XXXX XXXX to Nationstar, in XX/XX/XXXX. I was not happy about this transfer and asked if I could have my loan moved back to XXXX. This was denied by Nationstar. I have always made payments to nationstar on time. In XX/XX/XXXX, I was alerted during a credit check that my credit report showed a missing payment to Nationstar. This was the first time that I was made aware that I had any payment issues with NationStar. They have never contacted me for not receiving the full payment. in XX/XX/XXXX they held a payment from me for 30 days because they viewed it as partial, however they did not apply it to the principal. The money was " un-applied ''. I have spoken to Nationstar on three separate occasions and they have told me they would start an investigation. However, I have never received any follow-up and each time I speak to them it is a complete restart from the beginning. The last two days I have tried to call them I was automatically hung up on. I tried to call them multiple time on each occasion. There has never been a missed payment to Nationstar, they did not apply the payment because it did not fully cover the escrow and insurance increase. However the payment made was enough to cover the principle, interest in full. In XX/XX/XXXX I tried to re-finance with Nationstar and was told that I would have to wait until I had two years of taxes showing my XXXX income. They did not mention to me that there were any payment issues with my account. After receiving the credit report I was able to determine that Nationstar has records that only a partial payment was received since XX/XX/XXXX. For over a year they knew that there was an issue with a partial payment to my account, this is only partial based on the calculated escrow account. I never received any calls or written letters. The amount I have to increase my payment changes two times a year. I have never received any personal call from Nationstar. I am constantly receiving automated calls from them, however whenever I call them the calls are always opportunities. I need to have this missing payment removed from my record.
Consumer complaint received 2024-05-26
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. (NY)

I looked at my credit report on XXXX XXXX XXXX and noticed Inquires, addresses and accounts that were revolving on my credit report that were fraudulently. I did try reaching out to the Credit Bureaus but was unsuccessful in getting the accounts deleted so I filed an identity theft complaint. 

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
Consumer complaint received 2023-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I sent money via wire transfer from my bank ( XXXX XXXX ) to what I thought was the title company at Bank of America. I recieved a call from Bank of America wire fraud department that same evening to verify the wire. I explained that I was purchasing a house. The Bank of America representative that initiated the call to me said that this was a new personal account and not a title company so she was going to cancel the wire and close the personal bank account because it was fraud. She told me to call me bank to have them request my money back. I called my Bank XXXX XXXX first thing the next morning and told them what happened. The person I spoke with at XXXX XXXX filed XXXX requests to Bank of America before they recieved a reply. The reply from Bank of America was that my bank needed to sign a XXXX which released any liabilty from Bank of America and transfers it to XXXX Bank. Since XXXX didn't do anything wrong they are unwilling to sign the form. I contacted Bank of America via email asking if I can sign the form to which they responded and I have to go thru my bank. 
At this point it's been over 7 months and I just want to get my money back that Bank of America is holding. 
Below are the requests that XXXX sent to Bank of America : Confirmation IMAD # for this first request to return is : XXXX on XXXX Confirmation IMAD # for this second request is : XXXX on XXXX Confirmation IMAD # for this third request is XXXX on XXXX Confirmation IMAD # for this fourth request is XXXX on XXXX The amount of the wire sent was {$66000.00} on XX/XX/. 
It was sent to Bank of America routing # XXXX, recipient XXXX XXXX, Credit account number XXXX. 
It was sent from XXXX XXXX account number XXXX. 

Please please help me! 
XXXX XXXX
Consumer complaint received 2024-05-26
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (IA)

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.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (TX)

On or about XXXX XXXX, 2023. IC System fraudulently placed a Collection Account on my credit reports for XXXX XXXX and XXXX. The collection agency is reporting the debt on behalf of a storage company titled " XXXX XXXX ''. Per its credit reporting of the alleged debt. However, I do not have an account with XXXX XXXX. I did not authorize this account. I do not have a business relationship with this entity. IC System did not report to XXXX any previous payment history, monthly payment amount, and only reported that the account is a Collection Account, with no other verifying data provided. IC System has never contacted me by mail, phone or otherwise to inform me of the alleged debt. I do not have a Storage Unit with XXXX XXXX. I do not owe a debt to XXXX XXXX or IC System. IC System nor XXXX XXXX has never placed a inquiry of any on my credit reports. IC System knowingly and intentionally placed a Collection Account on my credit reports without verifying if the debt was valid or authorized. Further, IC System failed to report accurate information by not including data that is necessary to validate a debt. IC System has clearly placed another individuals account on my credit reports. Which has directly caused me undue hardship. XXXX immediately removed this fraudulent account from my credit reports. I request that XXXX and XXXX adhere to consumer law concerning not placing inaccurate information on my credit report that are not in good faith verified and authentic.
Consumer complaint received 2024-05-26
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-27
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. (MN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-21
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. (MI)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-05-27
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OK)

XXXX XXXX XXXX XXXX I emailed them this. XXXX " I called to pay like always but was informed you will no longer take a full year up front. With that new policy and not being able to come to XXXX these last years we decided to just move our stuff out. I am in Oklahoma so I needed to find a family member to move my stuff for me. XXXX XX/XX/XXXX he called and said they were headed down tomorrow. On XX/XX/XXXX he cleaned out the unit, on XX/XX/XXXX I turned in the 30 days notice and then tried to pay a little later. I don't not remember what day but it was early in the month. I couldn't get anyone to take payment over the phone, they said they couldn't do it although that's how I paid for years. So I went online to pay and it said my account balance was XXXX. I thought they ran the card that had been on file. Then I get a letter in the mail from a collection agency saying I owe XXXX. I called and couldn't get through so I found a chat option that your company uses through XXXX. I have the old manager admitting that I did turn in notice on XX/XX/XXXX. I saved the entire chat if you'd like to see it. 

I don't understand any of this. 

In XXXX, I tried to pay the full year in advance. 
XX/XX/XXXX my cousin comes to move my stuff out and I fill out the 30 day notice online. 
Few days later I went to pay but it said I owe XXXX. 
I get a letter in the mail later that is dated XX/XX/XXXX from a collection agency saying I owe XXXX. 
I have been trying to resolve this issue ever since. 
I didn't even get 30 days from the XX/XX/XXXX before somebody turned me over to collections '' If I no longer had an account like they claim when I was turned over to National Credit Systems how was I able to log into the system with my account number and unit # and have the system tell me I had a XXXX balance.
Consumer complaint received 2024-05-27
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.