davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (HI)

I was approved for a trial loan modification payment plan and informed by letter dated XX/XX/2016 from Nationstar Mortgage. On XX/XX/2016, 30 days before that, my loss mitigation application was complete. 
I had received and responded to a letter dated XX/XX/2016, and by XX/XX/2016, had received no further notices of incomplete file. Nation- star filed a judgment of foreclosure against me on XX/XX/XXXX, and the Foreclosure Commissioner contacted me after my trial payment plan was approved and wanted to start setting dates for open houses ahead of a foreclosure sale he was planning. By that time I had paid XXXX of the XXXX trial payments, but Nationstar would not stay the judgment. Today, I have authorized the XX/XX/XXXX ACH payment for my XXXX trial payment, and Nationstar is refusing to stop the foreclosure on my home. The Commissioner has the authority to take possession of my home and has agreed only to postpone for 90 days the publication of open houses and setting the sale date for the foreclosure auction on my home. Nationstar is proceeding against me, even though it has taken XXXX payments and is preauthorized to take a XXXX. The commissioner is XXXX XXXX, Attorney at Law on XXXX, and the attorney refusing to petition the court to stay the judgment is XXXX XXXX of XXXX Hawaii XXXX. XXXX XXXX has stated he will not agree to stay the judgment, and Nationstar will not authorize its Attorney XXXX XXXX to petition the court to stay this judgment, so XXXX XXXX continues to accrue fees and costs. I am worried because Nationstar is still in a position to take my home from me if the Commissioner chooses to take possession, change the locks, and store my personal property, because Nationstar 's court order allows him to do this, and the Commissioner has refused to agree to any stipulation other than simple postponing setting the sale date. He can take my house at will, and this is Nationstar 's responsibility. The judgment should never have been filed, because I had a complete file at Nationstar when Nationstar filed its judgment against me.
Consumer complaint received 2023-12-22
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. (PA)

In regards to XXXX XXXX XXXX XXXX Account # : XXXX As to the credit reporting agencies Transunion XXXX XXXX , and XXXX Per the FCRA I as a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and non-verbal per 15 USC 6802- 6805 Per The Privacy Act of 1974 And under 15 USC 1681 ; the report is inaccurate with blue highlighted dots showing inaccuracies and need for this account to be removed immediately
Consumer complaint received 2023-12-07
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. (PR)

I am writing to express my concern regarding unauthorized disclosures of my credit information and unauthorized credit checks conducted without my consent or authorization. These unauthorized activities have negatively impacted my creditworthiness and caused me significant distress. 
I have recently been notified that my credit information, including previous addresses, has been accessed by unauthorized individuals or entities. This information has been used to conduct credit checks without my knowledge or consent. I am deeply concerned about the potential for identity theft and the detrimental impact these unauthorized activities may have on my credit score and financial future.

I request that the CFPB investigate this matter and take immediate action to remove all unauthorized credit information and inquiries from my credit reports. This includes, but is not limited to, the following : Removal of all unauthorized inquiries : I request the removal of any credit checks conducted without my consent from my credit reports. 
Removal of all unauthorized credit information : I request the removal of any unauthorized personal information, including previous addresses, late payments from my credit reports. 
Investigation of the source of the unauthorized disclosures : I request a thorough investigation to determine the source of the unauthorized disclosures and to hold any responsible parties accountable. 
Implementation of measures to prevent future occurrences : I request that the CFPB work with credit reporting agencies and other relevant entities to implement measures to prevent future unauthorized disclosures and credit checks. 
My request for the removal of unauthorized information is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802. This law prohibits the reporting of inaccurate or incomplete information on credit reports.

I am also available to provide any additional information that may be helpful to your investigation. 
Thank you for your time and attention to this matter. I urge you to take swift and decisive action to protect my financial privacy and creditworthiness.
Consumer complaint received 2024-05-03
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. (NY)

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 informationisinaccurate.
Consumer complaint received 2023-12-07
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. (PR)

I am writing to express my concern regarding unauthorized disclosures of my credit information and unauthorized credit checks conducted without my consent or authorization. These unauthorized activities have negatively impacted my creditworthiness and caused me significant distress. 
I have recently been notified that my credit information, including previous addresses, has been accessed by unauthorized individuals or entities. This information has been used to conduct credit checks without my knowledge or consent. I am deeply concerned about the potential for identity theft and the detrimental impact these unauthorized activities may have on my credit score and financial future. 
I request that the CFPB investigate this matter and take immediate action to remove all unauthorized credit information and inquiries from my credit reports. This includes, but is not limited to, the following : Removal of all unauthorized inquiries : I request the removal of any credit checks conducted without my consent from my credit reports. 
Removal of all unauthorized credit information : I request the removal of any unauthorized personal information, including previous addresses, late payments from my credit reports. 
Investigation of the source of the unauthorized disclosures : I request a thorough investigation to determine the source of the unauthorized disclosures and to hold any responsible parties accountable. 
Implementation of measures to prevent future occurrences : I request that the CFPB work with credit reporting agencies and other relevant entities to implement measures to prevent future unauthorized disclosures and credit checks. 
My request for the removal of unauthorized information is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802. This law prohibits the reporting of inaccurate or incomplete information on credit reports.

I am also available to provide any additional infor
mation that may be helpful to your investigation.

Thank you for your time and attention to this matter. I urge you to take swift and decisive action to protect my financial privacy and creditworthiness.
Consumer complaint received 2023-12-07
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. (PR)

I am writing to express my concern regarding unauthorized disclosures of my credit information and unauthorized credit checks conducted without my consent or authorization. These unauthorized activities have negatively impacted my creditworthiness and caused me significant distress. 
I have recently been notified that my credit information, including previous addresses, has been accessed by unauthorized individuals or entities. This information has been used to conduct credit checks without my knowledge or consent. I am deeply concerned about the potential for identity theft and the detrimental impact these unauthorized activities may have on my credit score and financial future. 
I request that the CFPB investigate this matter and take immediate action to remove all unauthorized credit information and inquiries from my credit reports. This includes, but is not limited to, the following : Removal of all unauthorized inquiries : I request the removal of any credit checks conducted without my consent from my credit reports. 
Removal of all unauthorized credit information : I request the removal of any unauthorized personal information, including previous addresses, late payments from my credit reports. 
Investigation of the source of the unauthorized disclosures : I request a thorough investigation to determine the source of the unauthorized disclosures and to hold any responsible parties accountable. 
Implementation of measures to prevent future occurrences : I request that the CFPB work with credit reporting agencies and other relevant entities to implement measures to prevent future unauthorized disclosures and credit checks. 
My request for the removal of unauthorized information is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802. This law prohibits the reporting of inaccurate or incomplete information on credit reports. 
I am also available to provide any additional information that may be helpful to your investigation. 
Thank you for your time and attention to this matter. I urge you to take swift and decisive action to protect my financial privacy and creditworthiness.
Consumer complaint received 2023-12-07
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. (PR)

in accordance with the Fair Credit Reporting act XXXX account XXXX, has violated my right. 


15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written isntructions.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PR)

Wells Fargo failed to address disputed transactions in compliance with XXXX  terms ; the bank is engaging in deceiving practices to frustrate the attempt to resolve a disputed transaction over a procured item from a supplier in XXXX that was wrongly delivered by the supplier. 

I am requesting the agency to assume full jurisdiction over this matter.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (PR)

My previous letters highlight your many violations of my consumer report under several consumer laws. Your recent response displays your company Midland Credit Management as a habitual and arrogant violator of law as you admit that Midland Credit Management perseus Conclusive presumption of worthless debt once it has been declared a Write off or Charge off under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ) .Your company Midland Credit Management has violated my rights as a taxpayer to report income to the IRS under the Taxpayer Bill of Rights and Federal tax law Internal Revenue Codes of 1986 ( IRC ) .The Consumer laws are as follows 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Definitions and rules of construction, 15 US CODE 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) Obligations with respect to disclosures of personal information, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

PORTFOLIO RECOVERY ASSOCIATES IS KNOWINGLY ATTEMPTING TO COLLECT AND REPORT ON A DEBT AS A NONAFFILATED THIRD PARTY THAT HAS ALREADY BEEN REPORTED TO THE IRS AS A CONCLUSIVE PRESUMPTION OF WORTHLESS DEBT BY THE ORIGINAL CREDITOR. PORTFOLIO RECOVERY ASSOCIATES HAS ABUSED AND VIOLATED MY RIGHTS AS A CONSUMER AND TAXPAYER TO REPORT MY INCOME TO THE IRS PROPERLY AND ACCURATELY UNDER FEDERAL TAX LAW OF INTERNAL REVENUE CODES OF 1986 ( IRC ) TAX LAW 13-35 SECTION 1.166-2 ( d ) ( 1 ) ( 3 ) and SECTION 2.166 ( a ) ( 1 ) ( 2 ). I HAVE NOT RECEIVED A 1099-C FROM PORTFOLIO RECOVERY ASSOCIATES SO THAT I CAN REPORT MY INCOME TO THE IRS ACCURATELY .
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

XX/XX/XXXX - The XXXX Account listed as in good standing still has an error. 
The payment inXX/XX/XXXX was never late, their system had a glitch in which they did not accept my XXXX XXXX payment ; and, instead told me that the payment was processed and accepted for well over a couple of weeks. This was not my fault. 

And I have mailed them similar complaints nearly monthly since last XXXX. 

XXXX - XXXX is an account on my file that had discrepancies just after it was opened in XX/XX/XXXX. 
This account was never even 30 days late, much less the 90 that is necessary to make it an adverse account. 
This account needs to be moved to good standing, because it always has been.
Consumer complaint received 2023-10-29
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. (TX)

EQUIFAX DID NOT FIXED THE ISSUE I DISAGREE ON THERE DISCUSSION THIS NOW Became A RACE ON MY CREDIT REPORT THEY WILL NOT FIXED MY CREDIT SCORE THEY WANT ME TO CONTACT ALL THESE COMPANIES TO DISPUTE EQUIFAX WAS THE ONE HAD A DATA BREACH THEY NEED TO CONTACT THESE COMPANIES AND DISPUTE ALL THESE ISSUES DISPUTE SOFT INQUIRIES fix my credit score and myfinco score XXXX please reopen this claim
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Creditor was asked to update inaccurate information showing on the credit report. There were several late payments showing on a mortgage account from XX/XX/XXXX to XX/XX/XXXX that are inaccurate. They are inaccurate as the home was sold in XX/XX/XXXX, and the loan/account was paid and closed. Therefore, there is NO way this account should be reporting almost a year later with late payments when the account was closed. The creditor has agreed that this information is inaccurate and should be removed. They contacted the bureaus to remove the inaccurate information, but nothing has been done. The CEO contacted and stated that they would send me a letter stating this information, which they did, and I have attached the letter. It will state that the inaccurate late payment and date of last activity information should be removed. Please DELETE the inaccurate information and update XXXX late payment as current. Thank you for your assistance.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (VA)

I sold my home X/XX/2017 and from the sale paid off my mortgage with Nationstar. My credit report is still showing the account is open with a balance of {$140000.00}. I received confirmation from Nationstar that my loan is paid in full. All of my other loans paid from the proceeds of the home sale reflect paid on my credit report ( i.e. car loan with XXXX XXXX XXXX, etc. ), with the exception of Nationstar. Please update my credit report immediately as this is false reporting.
Consumer complaint received 2023-10-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (TX)

I requested information from this company to be sent to me and they have failed to do so. 
They have sent false information the the credit bureaus that damaged my credit. They have fabricated addresses and added them to my credit report which are not mine and the credit bureau refuses to remove them. This company has lied and stated on my credit report that this account is open as of XXXXXXXX  and has a balance of {$960.00}. Per the laws of the FCRA, this is illegal. I called XXXX and their company has been sold and they are not in business anymore. therefore, I do not owe the company SOURCE RECEIVABLES MANAGEMENT and have asked them to validate this debt in writing to me. They have failed to do so. I HAVE ASKED THEM TO PROVE TO ME THAT I OWE THE A DEBT!
Consumer complaint received 2024-04-11
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I consolidated debt with a loan, I closed my car loan and united it in this bank. Thing is by the time of COVID I read there were a 3 month " break '' and I was happy because I lost my job as many of us did with the COVID time. Point is, when the 3 months passed instead of moving those payments to the end ( adding payment months ) I was charged the whole amount. I tried to get into an agreement because of the situation and the bank closed the account, I was sent to court last year and got to an agreement with the bank. Recently I asked for my credit scores and I saw that this account is reported delinquent as if I hadn't got an agreement, I'm doing a reinstalment plan that was agreed with me, my lawyer and the bank and I wish that this doesn't appear as delinquent when this agreement already happened a year ago and I'm in good standing. I talked to lawyer about this which tried to contact the bank, apparently bank said I needed to fix a complaint and that they couldn't do much. At the end of the day this affects my score and my credit history was excellent ( usually my wrongdoings are related to stuff that is out of my control like hurricane XXXX and COVID ) but I've been really responsible and wish to get this fixed.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

I consolidated debt with a loan, I closed my car loan and united it in this bank. Thing is by the time of COVID I read there were a 3 month " break '' and I was happy because I lost my job as many of us did with the COVID time. Point is, when the 3 months passed instead of moving those payments to the end ( adding payment months ) I was charged the whole amount. I tried to get into an agreement because of the situation and the bank closed the account, I was sent to court last year and got to an agreement with the bank. Recently I asked for my credit scores and I saw that this account is reported delinquent as if I hadn't got an agreement, I'm doing a reinstalment plan that was agreed with me, my lawyer and the bank and I wish that this doesn't appear as delinquent when this agreement already happened a year ago and I'm in good standing. I talked to lawyer about this which tried to contact the bank, apparently bank said I needed to fix a complaint and that they couldn't do much. At the end of the day this affects my score and my credit history was excellent ( usually my wrongdoings are related to stuff that is out of my control like hurricane XXXX and COVID ) but I've been really responsible and wish to get this fixed.
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MD)

I paid of a debt on full to Hunter Warfield 5 years ago on XX/XX/2018 in the amount of {$3000.00} which was the amount on my credit report at the time. I have proof of payment along with the dispute letter I mailed to the Credit Bureau during that time. It was taken off my credit report then put back on it months later. My current credit report the amount is {$3600.00} with accrued interest. I called asking for them to remove it every year since & to give me documentation stating paid. They were rude and claimed to see no record of payment. I've been dealing with this issue for years. I've decided to take legal actions against the company. I don't owe them anything. Many other consumers have the same complaint regarding this company. I'm moving forward with a civil suit to find resolve.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Toyota Credit De Puerto Rico Corp. (PR)

i filled twice an appication with Toyota Credit for a Auto Loan in XXXX  NO response or email with the Information about it, or letter or Call. I was a Toyota Credit customer in the past. 

my loan # is XXXX.