davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX ) I have contacted creditor XXXX XXXX to update new address please remove. There should only be one address listed on my report, which is { XXXX XXXX XXXX XXXX XXXX, AZ XXXX }. I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX Once you have deleted the inaccurate names, addresses and numbers from my credit report, please send me a copy of my updated report. XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOUSTONIAN MORTGAGE GROUP, INC. (TX)

Westin home in the XXXX XXXX Texas We recently was looking on website in the marketing to buy a home So l contacted the Westin office in the XXXX  and sales Rep XXXX XXXX came and opened the door to the home we wanted to toured So after touring we contacted XXXX XXXX and he stated that other buyers was interested in the home did we he used the word wanted to go in a bidding war we stated no So after waiting a week l called him again and asked did the other potential buyer come through with his down payment he stated no l then at that point said we was interested still in the home appeared XXXX XXXX XXXX didnt take me seriously So he was at the corporate Westin home office in XXXX Texas and we have been trying to contact them and no response l onces again call XXXX XXXX XXXX thats we was still interested and l stated to him did he have a realtor is said you do after speaking to him l contacted a realtor and then l advised through text to XXXX XXXX XXXX thats we have a realtor and l have given the realtor his number but she said he never responded so l personally text XXXX XXXX XXXX that my realtor was trying to reach to him he never responded so our realtor reached out to a person she knew thats work over in the XXXX Texas office so XXXX XXXX XXXX prepared our contact we signed and thought its was going for review but XXXX XXXX stop the sales before he said we was his potential buyer but XXXX XXXX never put the potential Buyers name in the system because we think because of our XXXX XXXX  XXXX XXXX XXXX didnt believe we were able to afford this home he didnt not and now these two sales rep thats work for Westin are bickering over the sales commission and not interested in Westin XXXX to the buyer so why the two sales rep are bickering over the commission we saw thats this passed weekend its was a open house on the home again and XXXX XXXX XXXX have yet submitted our contract because of the sales commission We would like for Westin to know whats type of sales rep they have working in their office
Consumer complaint received 2024-06-01
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. (CA)

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 XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Amongst the three credit bureaus my personal information is reporting inaccurately which violates my consumer rights per the following information : Firstly, there are differences in the name of the account holder across the three credit bureaus. XXXX lists the name as " XXXX XXXX XXXX, '' while Experian and XXXX both list the name as " XXXX XXXX XXXX. '' This discrepancy in the spelling of the middle name could potentially cause confusion and lead to errors in the reporting of the credit history. 

Secondly, there are discrepancies in the current and previous addresses listed by the different credit bureaus. XXXX lists the current address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while Experian lists the same address but without the " XXXX '' in XXXX XXXX name. XXXX lists the address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX. '' Similarly, the previous address listed by XXXX is " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while XXXX lists XXXX same address but without the zip code extension. These inconsistencies in the formatting of the address could lead to confusion and potentially impact the accuracy of the credit report. 

Finally, there are differences in the employers listed by the different credit bureaus. Experian lists " NOT PROVIDED '' as an employer, while XXXX and XXXX do not. This discrepancy could raise questions about the accuracy and completeness of the credit report. 

These inconsistencies may violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of the credit reports they produce. Specifically, Section 607 of the FCRA requires that credit bureaus " follow reasonable procedures to assure maximum possible accuracy of the information '' in credit reports. Additionally, Section 611 of the FCRA requires credit bureaus to provide a free copy of the credit report to consumers once every 12 months, so that they can review the information and report any errors or discrepancies.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$640.00}, XXXX XXXX  bankruptcy Filed on XX/XX/XXXX Reference number : XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance {$640.00}
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

under the law 15usc 1681 XXXX XXXX XXXX did not have my consent to furnish anything to my credit report. my credit score has drop points because of 'serious delinquency ' furnished without my consent ( payment for car has already been sent ), 'recent miss payment ' furnished w/out my consent, 'Bad payment history ' furnished without my consent, 'few accounts paid on time ' furnished w/out my consent. The payment for the car has been sent also and they neglect to remove such inquiries that were reported to all 3 credit bureaus without my consent. They also didnt respect my rights under law 15 usc code 1605 that finance charge includes any loan fees, document fees, and they took a downpayment when its illegal without my best knowledge of 15usc code 1605 at the time. They also demanded for an insurance of my part when under the finance charge it includes premium insurance from there part to cover there loss in case of anything.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}
Consumer complaint received 2024-06-02
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. (CA)

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. 

I have informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX and XXXX XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

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 2018-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (IL)

In XX/XX/XXXX Mr. Cooper formerly Nationstar emailed me and sent a letter notifying me that XXXX had sold them my home loan. A few days later I received a letter in the mail stating the same thing. The effective date of the transfer was XX/XX/XXXX. In that same email they said that they would mail me additional information in about two weeks. I received no payment information for XX/XX/XXXX. I received no written statement of debt : where should payments be made, no monthly statements, no information about what to do if I wanted to seek a new loan company, etc. On or around XX/XX/XXXX I still had not received a monthly statement for payments to the new company. I called Nationstar/Mr. Cooper was was told that I could sign up online to make payments. I told them that while I would sign up, I was requesting that an actual monthly statement be sent to me. I should as required by law be provided written information about my debt. Nationstar/Mr. Cooper never sent a XX/XX/XXXX bill/monthly statement and never informed me of the amount due for XX/XX/XXXX. I eventually just paid the same amount I had previously paid to XXXX. Each time I called I got random answers about why they were refusing to send me a XX/XX/XXXX mortgage statement or bill. Once again - Nationstar/Mr.Cooper refused to send a XX/XX/XXXX bill/mortgage statement in writing as requested many times. In late XX/XX/XXXX I started receiving harassing calls from Mr. Cooper staying that XX/XX/XXXX mortgage was not paid. I immediately disputed that. I provided the date that it was paid from my XXXX banking account. Mr. Cooper informed me that they applied that payment to XX/XX/XXXX. I immediately demanded to talk with a supervisor and disputed that XX/XX/XXXX was not paid. Mr. Cooper did not own the loan until XX/XX/XXXX. XX/XX/XXXX payment was already made to XXXX. Mr. Cooper refused to send out a monthly statement or bill for XX/XX/XXXX. Currently Mr. Cooper is reporting me to credit bureaus as being late because they have been and continue to apply payments one month behind. Once again- XX/XX/XXXX payment was applied as an XX/XX/XXXX payment- when Nationstar did not own the loan until XX/XX/XXXX. Payments are not being applied correctly. Mr. Cooper refuses to send a XX/XX/XXXX bill/statement in writing as required by law, and Mr. Cooper is not honoring the dispute process. I disputed in writing that XX/XX/XXXX payment was owed to them ( they didnt own the loan until XX/XX/XXXX was half over and payment was made to XXXX ). The creditor is refusing to send written proof of an amount owed ( No XX/XX/XXXX bill ), and they have incorrectly reported me to the credit bureau as being late when this is in dispute and Mr. Cooper has not provided written verification of the dispute status as required by law.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-29
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)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accoiunts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TN)

I am submitting a complaint because XXXX XXXX XXXX refuses to delete a delete collection off my credit profile. This debt was never mine and is stated that it has already been charged off. This collection agency has been harassing me for almost three years. I have sent letters directly to the third-party company as well as the credit bureau XXXX I sent my first letter on XX/XX/, asking for COMPLETE validation of the debt, and they still haven't given it to me. I also sent a second letter on XX/XX/. 

This collection was also REMOVED from my credit profile almost 2 years ago and now it is back. It was removed due to being affected by covid19 as well as no response from the asst. property manager at the time. I was in communication with her and she told me she would not send me to collections and she still did anyway. ( see attachment below ). Lastly, XXXX and XXXX have removed it but XXXX refuses.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-02
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. (NM)

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this item, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair this inaccurate item in my file. I hope the disputed item will be corrected as soon as possible : XXXX XXXX XXXX Date Opened:XXXX Balance : {$21000.00}