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: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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 2024-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent multiple letters to XXXX, TRANSUNION and XXXX. Regarding the inaccuracies on my credit report. The last letter that was sent was XX/XX/2024 with the tracking number XXXX tracking number XXXX, TRANSUNION tracking number XXXX, XXXX tracking number XXXX. I never received any response from any of these bureaus. XXXX XXXXXXXX XXXX XXXX account number XXXX is reporting late on XXXX and that is 100 % incorrect this account is always paid on time and was never late. XXXX account number XXXX is reporting negative on all bureaus, that is also incorrect this account was never late I am always paying on time. XXXX - XXXX reporting as negative on all 3 bureaus, this account is PAID in full and I was never late on this. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2024-04-19
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. (FL)

To whom it may concern I am writing to dispute the following information on my credit report and have the following information on my credit report and have the following information removed from my credit file. The items I need deleted I have them listed for below. I am a victim of identity theft and didn't make any of the following inquiries. I demand these inquiries be removed from my credit profile. Please delete these items as soon as possible. Fraudulent inquiries : XXXXXXXX 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: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or a 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 2024-06-19
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 pulled a copy of my credit report and noticed a fraudulent account and address. 
Address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Accounts not mine XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX XXXX,
Consumer complaint received 2024-05-13
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX # XXXX OPENED : XX/XX/XXXX XXXX. {$21000.00} XXXX XXXX XXXX # XXXX OPENED : XXXX XXXX. {$1700.00} THE XXXX XXXX ( XXXX ) XXXX OPENED : XX/XX/XXXX XXXX. {$1300.00} XXXX ( XXXX XXXX ) # XXXX OPENED : XX/XX/XXXX XXXX. {$860.00}
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I see numerous fraudulent inquiries in my report that i want to be removed. Please help me remove them as they are really hurting my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle. 
MACYS/CBNA Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE as soon as possible.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2024-05-13
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. (VA)

XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) report as I took an auto loan of XXXX but I never took a loan from this Bank. First I reached out TransUnion and latter reached out the bank on XXXX XXXX XXXXXX/XX/year> and asked the bank this might be identity theft and they said they will investigate. I have been waiting for a month and the bank never get back to me. I tried to call them multiple times and they deny to give me any information. Rather they report to TransUnion the information was accurate. I never took a loan from this bank and they never send me a letter or contacted me. All my loan are paid on time but due this bank report a loan that I didn't take my credit score goes from XXXX to XXXX. I would like to file complain on this bank because they report a loan that I didn't take and unwilling to help fix the problem. 

Thanks, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

For the past months I have tried to reach out to your company to have these items reviewed, investigated and removed - none of which you have responded with good concerns. I have been struggling with getting credit approvals because of this items reporting on my file, and I need you to remove them as soon as possible.
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NH)

After falling on hard times I submitted an application in XXXX of 2014 for a HAMP mortgage modification to my mortgage holder, Nationstar Mortgage LLC. They lost my original application and I re submiited another XXXX in XXXX. The process has gone on now for XXXX a year consisting of Nationstar and my spoc XXXX XXXX consistantly losing track of just about every document that I have sent them. Each time documents were requested I send them multiple times via email and certified mail. All along the way when XXXX eventually received the requested documents he and Nationstar would then ask for yet more up to date documents. Eventually after close to a year and at great expense to me ( paying an accountant to put together documentation ) I was told my case was in underwriting finally late in XXXX. My original mortgage was aprox. {$2000.00} per month. My understanding was that the HAMP program would make my payments lower. It made sence to me since my income had dropped by more than 50 %. I was finally contacted via email by XXXX XXXX of Nationstar Mortgage that I was approved for a XXXX month trial period with payments of over {$3000.00} per month, more than 30 % HIGHER than my original payment. There was no way that we could afford this. I asked XXXX to look into this explaining that there must be some mistake. XXXX response was that it did not matter, I had to pay it anyway but I could send in a dispute. I explained that the reason we were applying for relief was for a " more affordable '' payment and not a larger payment. He did not care XXXX bit. I have still not received any response from XXXX or Nationstar in regards to my dispute. Instead however, I received a foreclosure notice in the mail. I have once again notified Nationstar of all of this via their internal messaging system and not yet herd from them at all. This has been going on now for over XXXX year now
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2022-11-28
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. (TX)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (TX)

We are existing Nationstar customers for a couple of years since XXXX XXXX XXXX sold our mortgage to them. At the beginning of XXXX of 2015, we applied for another loan with Nationstar ; we had other options, but decided to go with them since we are already their customers. We spoke with XXXX XXXX # XXXX ( XXXX ) and were immediately told we were approved and asked us to send a lot of documents, documents we sent to them immediately. Once they received the documents he told us it will take about 30 days to close on the loan. We then received an email from XXXX XXXX introducing herself as the loan processor. We waited 30 days and nothing happened, we called XXXX to let him know our contract on the house we were looking to buy was about to expire and that we needed to close the loan no later than XXXX XXXX, 2015. We waited until XXXX XXXX and our loan was still in processing, we called him several times with no response. I called from a different number and he answered the phone, he told me he had been trying to call us but that the calls did not go through because they were long distance ; I still ca n't believe a bank as big as Nationstar is does not allow their employees to call long distance in order to reach their customers ( we live in the same state, TX ) XXXX told me to contact XXXX to ask about the status of the loan, I called her, sent her emails and a month later I am still waiting for her to call me back. We called XXXX again several times ( we have all the call records and emails we sent them ) and he did not call us back. I then decided to call his Manager, XXXX XXXX at XXXX to ask about the status of the loan because the realtor could not wait any longer to sell the house. I called XXXX several times as well, and left her messages to call me back, well guess what? A month later, I am still waiting for her to return my phone calls. I called their " customer service '' department at XXXX and was told to contact XXXX, we explained to them we had been trying to contact him, but he was not returning our calls/emails. We were told, they could not provide any information to us and to call XXXX. We asked to speak with a supervisor and again we were told to contact XXXX, they said a supervisor was not able to assist us because he was not processing the loan. We do not know what to do, they asked for all of our information and we sent them sensitive information, I am starting to think they are not even a legit company.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (FL)

XXXX  and jefferson capital are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the XXXX  account was fraudulently opened in my name. ive been trying to reach XXXX  via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!
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: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (AZ)

To whom it may concern, I've already sent a letter to the creditor asking them to remove this late payment. They have not abided by what I have requested. They also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 

Payment Date : XX/XX/XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I had attempted to submit payments to this company several times through online bill payer, totalling XXXX different instances. I 'd even called to check the amounts being requested prior to making payments. Each time I 'd asked why my payments were returned an the reps were unable to advise me of why. I 'd requested to speak with a supervisor an the supervisor began to insult me stating that I had n't infact spoken with anyone and maybe I spoke with the automated system and believed I was speaking with an actual rep. I advised him of the many times I had spoken with reps an he told me he had no record of conversations nor payments. The supervisor then stated that my final payment would of been returned as the demand had now expired. I then called back to speak with my relationship manager to try an understand wgat exactly was going on however I was only transferred to a voicemail. I left a message and still no call was returned. I then called back a few days later and was transferred directly to the account manager. The account manager was rude, over talked me an when requested his supervisor, blind transferred me over to his voicemail. I left a message for the account managers supervisor who I have yet to receive a call back from. All I 've wanted to do is pay my account and bring it current so that I may keep my families home. This company has been awful, an just down right rude. The employees ar n't very knowledgeable. Not to mention there are no notes to the many detailed conversations nor payments.
Consumer complaint received 2024-08-23
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

I had a mortgage loan with XXXX and it was sold to Nationstar. I have been making my payments late due to a cut in income monthly but I have also tried to pay my payments in the month that they are due. I have already contacted Nationstar once last year about the {$73.00} late fee every month that was added to my accounts and after months of sending emails they finally got it corrected and stated that they would have to abide by my contract with XXXX that they had purchased with the late fees stated which I believe are around XXXX to XXXX dollars. I have since emailed Nationstar again several times ( 4 ) and requested that they fix the amount that is showing past due in late fees of {$580.00} and they wrote me back and stated that the late fees would not be waived and I was due for this amount. Maybe whoever looked at the case does not realize that my contract was purchased and can not be changed but they should cause it was told in the numerous emails. I am wondering how many other customer 's are they charging this outrageous late fee to their accounts when in fact they can not be charging it. 
Can you please help me get this situation corrected where I do not have to deal with the numerous emails every month and to make sure this amount is not reflecting as a past due status on my credit report. Thanks in advance