davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OK)

Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).
Consumer complaint received 2023-10-25
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX  {$16000.00}.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Ask for unauthorized inquiries on my report to be removed. The companies response was they were able to validate and show that theres items listed were in fact authorized by me. I want the company EXPERIAN to remove these harmful inquires from my credit report in compliance with the fair credit report act. Im am new to credit but i understand the rules and laws, im in the process of putting a freeze on my profile to prevent this from happening again.
Consumer complaint received 2024-06-04
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 am writing to formally contest the inclusion of a fraudulent account in my Transunion credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this account persist on my Transunion report. After uncovering this fraudulent account, I contacted the relevant company, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged this account from their records after verifying its fraudulent status. I am puzzled as to why Transunion continues to report this fraudulent account, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

XXXX XXXXXXXX XXXX  XXXX XXXX
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: EQUIFAX, INC. (NJ)

On or around XX/XX/XXXX I disputed this account with confirmation number XXXX with Equifax information XXXX this account from XXXX XXXX XXXX XXXX Account # XXXX It was deleted from my file, for some error in Equifax XXXX system its still reporting to the other platforms, but Equfax system is not reporting. I request for a refresh of my data and also, Im requesting an investigation to remove this fraudulent account immediately and also the inquiry from XXXX XXXX from XX/XX/XXXX. 
According to ( FCRA ) 611 ( a ) this section requires a credit reporting agency to reinvestigate any dispute information and record the current status of the dispute information. Equifax is in violation and Im requesting for immediately removal of these accounts. within XXXX business days upon receipt RE : Dispute of Fraudulent Account and Unauthorized Re-insertion Unauthorized inquiry The presence of a fraudulent XXXX XXXX XXXX account on my Equifax credit report. This account was previously removed from my report, but it has been re-inserted without my knowledge or consent. The account is also reporting as deleted on Equifax while still appearing on other credit reporting platforms. 

Furthermore, I have received an inquiry from XXXX XXXX XXXXXXXX regarding this fraudulent account, which is causing me significant distress and potentially damaging my credit worthiness. 

The details of the disputed account are as follows : XXXX XXXX XXXX XXXX ACCT # XXXX I have never authorized the re-insertion of this account on my credit report, and I demand that it be immediately removed. The re-appearance of this fraudulent account is a clear violation of my rights as a consumer and a breach of Equifax 's responsibility to maintain accurate credit reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax : XXXX. Conduct a thorough investigation into this matter ; XXXX. Remove the fraudulent account from my credit report permanently ; XXXX. Provide me with a corrected copy of my credit report ; and XXXX. Notify me in writing of the actions taken to resolve this issue. 

I am prepared to provide any additional information or documentation necessary to support my dispute. Please promptly address this matter and keep me informed of the progress of your investigation. 

Thank you for your attention to this critical issue. 

Sincerely,
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Ive had this XXXX XXXX account on my credit report as 60 day late payment then I disputed it then they updated it to 30 day late payment..in actuality it should never be on my credit file because its an errored account..I have a at fault letter from the dealership adventure XXXX XXXX stating that they were late on the payment not me..Ive had this problem on my credit history for 6 years and its effected my credit profile and score tremendously and its not fair and its illegal
Consumer complaint received 2024-06-04
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Credit Bureau, I am writing to bring to your attention an inaccuracy in the reporting of my account with XXXX XXXX. According to my credit report, there have been instances where I have been reported as late on this account. However, I want to clarify that I have never been late on payments for this account. 
I request that you remove the late payment reporting from this account and update it to reflect my accurate payment history, which is consistently on time and current. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I urge you to conduct a thorough investigation into this matter and take the necessary steps to correct the erroneous information on my credit report. Furthermore, I request that a full credit report showing these deletions be provided to me after the investigation has been completed. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
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. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I CHECKED MY CREDIT REPORT THIS MORNING AND WAS SHOCKED WITH HOW INACCURATE ACCOUNTS ARE ON MY CREDIT REPORT. I DON'T T KNOW WHY THEY ARE ON MY CREDIT REPORT SO PLEASE CHECK THE DOCUMENTS I'VE SENT.
Consumer complaint received 2024-06-04
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. (IN)

It appears that 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to bring to your attention concerning actions taken by XXXX XXXX, which I believe to be in violation of consumer protection laws. 

On XX/XX/year>, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the conduct of XXXX XXXX. Despite my efforts to resolve the matter, I continue to experience distressing interactions with them. 

In my initial complaint, I detailed XXXX XXXX 's failure to provide adequate notice and time for disputing an alleged debt before reporting it to my credit profile. I requested specific documentation to validate the debt, including evidence of delivery of their notice to me, a purchase agreement between the original creditor and the collection agency, proof of their licensing and authorization to collect the debt, an agreement bearing my signature, and clarification on the assignment of the debt. 

Regrettably, XXXX XXXX has not provided the requested documentation and instead persistently contacts me via email, demanding payment for an unverified and unvalidated alleged debt. This continued harassment, coupled with their reporting of the debt to credit agencies, has caused significant distress and harm to my financial well-being. 

Furthermore, I am deeply concerned about XXXX XXXX 's use of email as a means of communication for debt collection purposes. This method lacks the privacy and security afforded by more traditional forms of communication and may be construed as a violation of consumer rights under the Fair Debt Collection Practices Act. 

I want to stress that I am not liable for this debt and have not entered into any contractual agreement with XXXX XXXX. Their failure to provide the requested documentation only serves to compound my concerns and exacerbate the situation.
Consumer complaint received 2024-06-03
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. (DE)

XXXX XXXX XXXX account has been closed since XXXX. They have been reporting on my XXXX, Equifax for XXXX  years. When I contacted the credit bureaus they advised me that this account will be reporting for an additional XXXX  years.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX my husband was killed in the military, leaving our daughter and I, I used his life insurance to buy a house for us. I was the victim of predatory lending, the company that did my mortgage is under federal indictment and all the people doing loans there are in jail. They forged my signature on documents and lied about me having a job and the rates and terms i agreed to changed on the final documents. in XXXX my daughter was XXXX and I had to close down XXXX that I had opened the previous year and lost all my investment. The mortgage company at the time : XXXX, illegally foreclosed on me and I got a judgement in my favor. I then applied for a modification and kept getting denied for lack of paperwork. Finally I had all the paperwork right and they sold the loan to XXXX. Went through the whole process with XXXX for literally years. Constantly having an issue with something in my loan modification packet. Finally got it all done and it went to the underwriters and a couple of weeks later they told me " it all looks good, just doing some final package information '' then they sold my loan to Nationstar. In the mean time I am not allowed to make payment and fees and late charges etc. are over {$100000.00}. My original loan amount was {$630000.00} and now my statement is saying my original loan amount is {$700000.00}. Nationstar makes me go through the whole process again, I keep having paperwork issues, they have XXXX different files on me and my paperwork was n't being sent to XXXX, so they could never find it all. I have requested my phone and e-mail to receive a copy of all the fees and charges on my loan and a copy of the original deed and they have all said, yes they will send it and I have never received anything.. as of today, I have been denied a modification again, based on income and they did n't have my income correct when I asked, they say I owe {$400000.00} on top of my {$700000.00} which was originally {$630000.00}. Without being able to afford a lawyer, I have no way to get them to give me the information I need and no way to hold the Banks and the lender accountable. This is the only home my daughter has lived in and she needs consistency, my only financial security was my investment in this house and took all of my husbands life insurance.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I paid my credit card balances in full and on time and paid my monthly mortgage paid in full and on time. XXXX, Transunion and XXXX dropped my credit score by 1-2 points. Every month I pay in full and on time my credit score is reduced.
Consumer complaint received 2024-06-04
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. (GA)

I got an alert that my credit score went down upon checking I found XXXX fraudulent accounts on my report I immediately filed a police report for identity theft the fraudulent reports are XXXX XXXX XXXX for the amount of XXXX dollors and XXXX XXXX XXXX XXXX for the amount of XXXX I have no knowledge of any of these accounts
Consumer complaint received 2024-06-04
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)

It seems FCRA 605B obligates us to delete any incorrect accounts from my credit report. Can you please examine the documents? Some accounts have inaccuracies in their reporting, amounts, and dates.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I applied for a loan modification with Nationstar Mortgage Loan number XXXX. On XXXX XXXX we were approved for a 3 month trial modification, however the payments were only XXXX per month lower than the prior payments, but, I was informed that there was an escrow shortage and an additional payment of {$61.00} as a result my monthly payment was going to be {$6.00} less per month and would be extended by 1 year. XXXX XXXX my dedicated loan specialist told me I could request an appeal by mailing a letter and updated proof of income to Nation Star Customer Relations. It could take up to 30 days to receive an answer. I sent a letter with updated proof of income that was received by Nationstar on XXXX XXXX. Today XXXX/XXXX/2015 I called Nationstar and was told a letter was mailed yesterday. The customer service rep e-mailed me a copy of the letter that informed me that they made no errors and If there has been a change in circumstance due to reduced income, Nationstar may evaluate the account for assistance with an updated complete application ; however, another approval is not guaranteed. Should you wish to reapply for payment assistance using updated financial documents, you may provide the enclosed. Borrower Response Package within 15 days from the date of this letter using the information listed below. 
They are basically telling me the same thing I was told 2 months ago and are asking for the same documentation I sent to them back in XXXX. The letter also says I am 6 months behind on my payments which is not correct because I made XXXX payments of a 6 month repayment plan that were not properly applied to my mortgage balance which is causing more damage to my credit rating and I believe my mortgage principle is not being reduced by the correct amount.
Consumer complaint received 2018-12-31
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. (GA)

XXXX XXXX XXXX & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2024-06-05
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. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.