davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I questions as a duplicate report during the reporting in XXXX In XX/XX/XXXX I am showing that XXXX updated the account to reflect a past due that was XXXX they updated to XXXX past due. XXXX has not owned the loan since XXXX I would like to get this deleted from all agencies. This account is XXXX and closed and it has been 6 years since they have owned the account and the reporting has not been correct and the disputes are not corrected
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage company Nationstar is forcing me to pay 50 % higher monthly mortgage payments, even though I signed up for a FIXED 15 year loan. 
In XXXX this year, Nationstar has been demanding, that I pay my monthly mortgages into an " escrow account '' instead the usual " mortgage account ''. just because I was late paying my PROPERTY taxes last year, NOT my mortgages, which I paid always on time since the start of my loan 9 years ago. 
Their Escrow accounts are for future property debts. 
Since I have been paying my property taxes myself since the start of the loan 9 years ago, and was only late paying the property taxes once during that loan period, ( but am up-to-date ). why should I let Nationstar pay my property taxes from now on?, Obviously Nationstar does it, so that can demand huge upfront monies for future property taxes and higher monthly mortgage payments. 
In my case they are demanding XXXX -- for future property taxes and an increase of 50 % in my monthly mortgage payments, even though I 'm up-to-date with my property taxes and mortgage payments. 
I refused to be pushed into their escrow account and kept paying the same monthly mortgage payments. 
Nationstar retaliated by informing all credit rating agencies, that I had NOT paid my monthly mortgages for 5 months, which is an outright LIE. 
I paid the mortgages, but refused to pay their higher added-on monthly escrow fees and 50 % higher monthly mortgage premiums. 
Because of the blatant lie to the credit agencies by Nationstar, my previous excellent credit rating has dropped down to XXXX. 
Nationstar can not tell the credit agencies, that I did not pay my mortgages - that is an outright false statement. 
They can only state, that I refused to pay their added monthly exorbitant escrow fees, which is in dispute between us. 
.And because I supposedly have not paid my mortgages for the last 5 months ( which is a lie as I just mentioned ), they had the gall to start foreclosing on me too! 
Ruining my credit and now foreclosing? 
This should not be tolerated, I need help from your agency. 
My telephone calls got the go-around, my written communications got no response. 
Please read " XXXX '', enter Nationstar, and you 'll see, there are innumerable complaints against this company.. 
Nationstar is a predatory Mortgage company in my opinion, they seem to prey especially on elderly people like me, hoping they wo n't fight back. 
They make it impossible for mortgage holders like me, to protest or get into touch with a manager to resolve any dispute. 
It seems to be designed that way, please read other complains on " XXXX ''.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

Purchases from XXXX to current charges was made in ny bank account. On XX/XX/XXXX filed a police report XXXX XXXX for identity theft and fraud. I then filed a report with my bank. The bank told me that they gave me forms when o open the account, that s was about safe guarding you info. I never received such a form. They also say it was no misprint for my pin and their was no mismatch in information. Which is why they decline my claim. I did not make any of those purchases. And it was not my fault my information was stolen in a XXXX. I would like the outcome that I get my money back. I am in the verge of being homeless with my children and we really need that money. So if I have you I ready to take this complaint to the end. I have nothing left to lose I m about to be in the street with my kids I need my money back. I spoke with the vendor they said they reported it as fraud they didnt charge me but than the money not in my account. This is so horrible that someone can act and try to look like you go around pretending to be you. And use your information and the first thing someone at the bank said to you is well it was no errors in your information. Well o would think so if they stole all of my information. 

Please resolved this
Consumer complaint received 2024-05-16
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. (GA)

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 Bureaus, 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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (NJ)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
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. (CA)

I am writing to contest the late payment listed on my credit report. After a thorough examination of the information provided, I have identified discrepancies that require your immediate attention. 
Upon reviewing my credit report, I have noticed discrepancies concerning the reported late payments. I have consistently adhered to my financial responsibilities and am confident that there may be an error or misunderstanding in the reporting process. Furthermore, it's worth noting that both XXXX and XXXX credit bureaus have already updated their records for this account. 

I kindly request a comprehensive investigation into this matter and the swift removal of any inaccuracies from my credit report. 

XXXX XXXX and 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed 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 to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX
Consumer complaint received 2024-07-31
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. (WI)

I made an application to refinance my car and authorized the company XXXX to make a hard inquiry in my credit report but they pulled 3 hard inquiries in my credit report and also shared my information with 3 different banks, this will affect my credit a lot, I did not authorize them to do 3 hard inquiries in less than 2 days, this is a lack of respect for consumers.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DIRECT LENDERS LLC (GA)

In mid XXXX I was told by my lender that I would have to get a 6 month lease with an apartment complex in the city that I wanted to get a home in in order to prove that I could live on my own and handle a mortgage. I live with my mother. I asked my lender why they did not mention this in the beginning of the application process, before I paid {$400.00} for a property inspection and wired my earnest money to the seller 's agent, the lender just laughed and said it was the underwriter that said I had to get a lease for 6 months. I believe the underwriter chose to put this erroneous requirement on my application because she had no other reason to deny me. My credit is above a 700, I have over {$10000.00} in cash for down payment, and I have been gainfully employed for the past 2 years. I believe I was told to get a 6 month lease in the city I want to live in because I am XXXX XXXX. I believe that if I was a XXXX applicant, the underwriter would have approved my mortgage because I asked my XXXX  friends if they ever heard of having to get a 6 month lease to get approved for a mortgage and they said no, they had never heard of that as a requirement.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
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. (NC)

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 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-03
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the rights to privacy. 

15 U.S.C 1681c section 604 A Secion 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have submitted a letter from XXXX XXXX requesting that all three credit bureaus correct the information reporting delinquent and late payments. I have attached a letter from XXXX XXXX stating that the 60 days reporting late should be updated to to paid on time. Credit bureaus have failed to update my report which is affecting my credit score tremendously. 

I have attached all supporting documents for reference. You can also reach out to Ms. XXXX from XXXX XXXX XXXX or XXXX for additional information. MY old CFBP complaint is XXXX. 

Thank XXXX XXXX
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (NC)

I opened a checking account with Regions Bank on XX/XX/XXXX  under the following promotion : https : //www.regions.com/XXXXXXXX XXXX *Here 's how to earn a {$300.00} bonus : 1. Open a new personal LifeGreen checking account by XX/XX/. Get started by opening an account online with promo code XXXX, or register and present your personalized email voucher when you open your account at your local branch. * 2. Enroll in Online Banking within 90 days of opening your account. 
3. Make {$1000.00} or more of qualifying ACH direct deposits that must post within 90 days of account opening. Deposits must be new to Regions. 

I included the promo code XXXX in my application and printed to pdf the application as evidence. I met the terms of the promotion four days later on XX/XX/XXXX, but did not receive the {$300.00} bonus. I have called and emailed to check on the status of Regions honoring this promotion several times since XX/XX/XXXX. This morning I was told that Regions would not honor the promotion despite my evidence that the promo code was attached when I submitted the application. They do not see that it was attached and said that there is nothing that they can do. Please find my evidence attached to this complaint.