davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

First, my home mortgage was involuntarily by XXXX XXXX XXXX to Nationstar Mortgage. 
Nationstar Mortgage has no convenient payment methods available to their customers without a fee and they are located out of Illinois, where I reside. I made my monthly payments. After making my XXXX payment, I received a letter and a notice for a certified letter from Nationstar Mortgage. The letter stated that I was two ( 2 ) months past due and that I owed a total of nearly {$2500.00}. Well, after seeing this I went to the online account information and discovered that my monthly mortgage payment had increased in XXXX 2015 to {$1000.00} and some odd cents. In XXXX I had sent my normal payment of {$840.00}. I called them right away to find out how they could be missing my payment when I had proof that the {$840.00} was withdrawn from my account. I was then informed that my account was short {$210.00}. 12 and that 's why they had n't applied it to my mortgage payment. Customer Service explained that they held the payment and they were trying to contact me. I have my number on file my email address on file and I receive mail at my home and my mailing address and it took them over 30 days to notify me my account was missing two ( 2 ) increased payments. I immediately contacted XXXX XXXX because I was already nearly {$2500.00} dollars delinquent and it was already the end of XXXX. 
When I got my member file together and spoke to a XXXX representative, the representative listened to my story and contacted Nationstar to try and clarify why the monthly mortgage payment had increased. She discovered that my Escrow had increased. Well, this was surprising because my property taxes had decreased for this year. I think the insurance payment remained the same. I telephoned the Nationstar Escrow department and I was told that XXXX XXXX XXXX allows a Mortgage Loan client to have a negative Escrow balance and that they passed off the loan from XXXX XXXX XXXX with a negative Escrow balance, but Nationstar does not allow for a negative Escrow balance. Well, again my loan has been caught in a trick bag. Nationstar, also reports that the loan in ineligible to drop the PMI because my payments have been more that 30 days late. All of this has been error after error by XXXX and Nationstar. These mortgage lendors are dealing in unscrupulous practices that need to be investigated.
Consumer complaint received 2024-07-05
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)

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 consist of personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-13
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)

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.
Consumer complaint received 2023-05-23
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. (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 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 2018-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (CA)

XXXX XXXX  attempted to reach out to me about a debt that was owed to XXXX XXXX department. However, to my knowledge I had no outstanding debts the creditor. 
When I called XXXX 's to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-13
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. (GA)

I am the creator/settlor of a credit transaction with XXXX XXXX XXXX 
My credit report is showing evidence of a series of late payments which are not reflected accurately. All credit reporting must be fair and accurate. Unfair reporting and inaccuracies are not equitable to me and are causing XXXX XXXX and other financial damages. Furthermore, the mortgage account should never be marked late because I have already given full consideration in the form of a collateral security at the inception of the transaction. 

The inaccurate late payments are as follows : XXXX  XXXX 30 days late XXXX  XXXX  30 days late XXXX  XXXX 60 days late XXXX  XXXX 60 days late XXXX  XXXX 60 days late XXXX  XXXX 90 days late XXXX  XXXX 60 days late XXXX  XXXX 90 days late XXXX  XXXX 120 days late XXXX  XXXX 90 days late XXXX  XXXX 90 days late XXXX  XXXX  90 days late XXXX  XXXX  90 days late XXXX  XXXX  90 days late XXXX  XXXX  60 days late XXXX  XXXX  30 days late XXXX XXXX  30 days late XXXX  XXXX  60 days late
Consumer complaint received 2024-05-14
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. (PA)

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-05-13
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. (GA)

Lexis nexis was not authorized to place a bankruptcy on my report. The bankruptcy court does not report to the credit bureaus. Lexis nexis is in violation under the FCRA and FDCPA.
Consumer complaint received 2023-10-19
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. (MD)

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 2024-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Open Account with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$9700.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

ON XX/XX/21 I submitted a dispute with the 3 bureaus and I have yet to receive a notice of the investigation. I really need this matter resolved.
Consumer complaint received 2024-05-13
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. (FL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TX)

I opened up a business checking account with First Horizon Bank in person on XX/XX/year>. I signed up for a {$400.00} bonus for depositing {$5000.00} within 15 days keeping the funds for 3 statement cycles and making 20 debit card transactions. Payout is supposed to be in 10 days after qualifying activities have been met as seen in the attachments. I have called and spoken with the banker who opened the account for me, XXXX XXXX and he stated that I did meet the conditions and should have been paid out in XXXX and it is now well into XXXX.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

Experian credit agency violated my rights as described in U.S.C 1681 ( a ) & ( b ), by sharing information without my written consent or permission. Information was sent to XXXXXXXX XXXX, which was then shared with XXXX XXXX XXXX and as a result I was denied a line of credit. In addition shared information with XXXX XXXX XXXX, which caused my line of credit with that company to be reduced from XXXX XXXX dollars to XXXX XXXX dollars.
Consumer complaint received 2024-09-06
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. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
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. (GA)

I am writing to formally and urgently request the immediate removal of all accounts associated with my bankruptcy proceedings. 
Account name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX, XXXX. Account Date : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX  XXXX Account Date : XX/XX/XXXX Account name : XXXX Account Date : XX/XX/XXXX As per the stringent regulations and procedures governing bankruptcy, it is absolutely imperative that all accounts implicated in my bankruptcy undergo immediate and comprehensive expungement from all pertinent databases and records. Failure to rectify and update these closed accounts under my bankruptcy status is not only a breach of legal protocol but also warrants serious legal repercussions, for which I shall not hesitate to pursue necessary legal action. 

This directive is not merely a procedural formality ; rather, it represents a critical juncture in facilitating my financial recovery and ensuring a fair and just resolution to my financial obligations. 

The expeditious removal of these accounts is not only in accordance with the legal framework governing bankruptcy proceedings but also serves as a fundamental step towards restoring my financial stability and confidence. By swiftly eradicating any remnants of these accounts, we demonstrate our commitment to upholding the integrity of the bankruptcy process and honoring the principles of equity and fairness. 

Moreover, the prompt deletion of these accounts serves to preempt any potential complications or discrepancies that may arise in the future. It significantly streamlines the process of assessing my current financial standing and alleviates any unnecessary burdens or impediments hindering my efforts to regain financial independence. 

In light of the gravity of this matter, I implore all relevant parties to act swiftly and decisively in executing the requisite steps to remove all accounts associated with my bankruptcy proceedings. Your cooperation in this regard is not only mandated by law but is also indispensable in facilitating my journey towards financial rehabilitation and empowerment. 

I kindly request acknowledgment of receipt of this letter and request regular updates on the progress of the account removal process. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX {$9600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX {$9600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX