davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TODAY DATE XXXX I HAVE JUST PULLED MY CONSUMER REPORT FROM TELETRACK  ( an equifax company ) On this report I see inaccurate personal information and other information 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  The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679c Quick search by citation : Title Section 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage company Nationstar is threatening foreclosure on my house due to what they believe my account is a payment behind. I went through a modification which trial payments begun XXXX XXXX 2015, I made my payments on the or around the XXXX of each month towards my payment due on the XXXX. XXXX of 2015 Nationstar started sending me notice and calling saying my account was past due. I have been trying since XXXX 2015 to resolve this issue but Nationstar is neglecting to try and resolve the issue. I call, I send letters, I email but still cant seem to get someone to look into this issue and resolve it. I believe they are trying to wrongfully foreclose on my house. I have spoke to XXXX attorneys and they have advised me to check out respa and to try and work out with Nationstar first, that it could simply be an error in paperwork some where along the way. So I am just at my wits end as to what more I can do to get this resolved as Nationstar is making communication with them difficult.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NY)

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/year> ACCOUNT NAME SELF FINANCIAL/LEAD BANK ACCOUNT XXXX # : ITEMS I ASKED FROM SELF FINANCIAL/LEAD 1.A PROPER INVESTIGATION ON ACCOUNT THAT IAM DISPUTING 2.PROOF OF PROCEDURE OF INVESTIGATION 3..MY WRITTEN CONSENT TO FURNISH MY CREDIT PROFILE NONE OF THESE ITEMS WERE PRODUCED THIS IS WHY THIS ACCOUNT MUST BE DELETED DELETE ASAP THANK YOU It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

15 U.S. Code 16815-2- Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-04-24
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: Experian Information Solutions Inc. (FL)

I lodged a complaint with these XXXXXXXX XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-04-24
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: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 days 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 XXXX 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 XXXX
Consumer complaint received 2023-07-06
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX XXXX : {$530.00}
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (ID)

I have XXXX  XXXX card services and chase thats theres XXXX XXXX of dollars of transactions I would never be able to put in this space all the charges that took place that I didnt have the cards in my possession to make in the first place
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Account was charged off XXXX XXXX XXXX and I was advised by the company after 7 years the account will be dropped from my credit report on all 3 bureaus. As of XX/XX/XXXX this is still sitting on my credit report. I have filled multiple disputes with the company except harassing calls and them updating my balance every 3 months to keep this on my report. I informed them the account is a charge off and has been for over 7 years and would like this removed immediately from my credit they have yet to do so. I am requesting that this old account be removed from my credit due to it is causing issues with my husband and I buying a house. They call numerous times a day still wanting me to pay for a old charge off that during a extremely rough economy I can not just give the amount they are requesting
Consumer complaint received 2024-07-15
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. (OH)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX last XXXX digit SS # XXXX todays date XXXX I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /BALANCE/ACCOUNT STATUS AND PAYMENT HISTORY IS REPORTING TO EACH CREDIT BUREAU DIFFERENTLY AND INACCURATE.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IAM A FEDERALLY ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER IDENTIFIES AS IDENTITY THEFT SHALL BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT I attached a copy of my IDENTITY THEFT REPORT P.s This is holding me back from getting a new job, funding and a NEW HOME FOR MY FAMILY pls remove Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX / XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Late Payment Status on Self Financial Account Dear TransUnion, I am writing to formally dispute an incorrect late payment status on my credit report. Upon reviewing my TransUnion credit report, I noticed an error regarding the XXXX XXXX XXXX account. 

Account Information : Account Name : XXXX XXXX XXXX Account Type : Secured Loan Date Reported : XX/XX/XXXX Discrepancy : The report indicates a 30-day late payment status for the month of XX/XX/XXXX, with a past due amount of {$27.00}. 

My records show that I made timely payments, and there should be no late payment mark for this account. 

Requested Action : I kindly request that you investigate this matter and remove the inaccurate XXXX late payment status from my credit report. 

Please reinvestigate this matter as required under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution.Thank you for your prompt attention to this important issue. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-21
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)

I am initiating a dispute and investigation because these accounts are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am owed {$1000.00} for each error. FCRA 605B stipulates that any inaccurate accounts on a consumer 's report must be reported.
Consumer complaint received 2024-07-17
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. (NY)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOOD DAY I have recently disputed this account it was updated I REQUEST THIS FRAUDULENT ACCOUNT TO BE DELETED ACCOUNT NAME XXXX XXXXXXXX XXXX XXXX XXXXX # : 15 U.S. Code 16815-2- Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. 

DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX XXXX XXXX  IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

I am sending this complaint on behalf of XXXX XXXX XXXX XXXX. 
I noticed a collection on said account : LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX According to the FCRA said collection should be removed from the above credit report immediately.
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (AZ)

I BOUGHT A VEHICLE 2YRS AGO THE INTEREST RATE IS 12 % BUT YET EVERY TIME I SEND A PAYMENT THEY KEEP MORE THAN 60 % OF IT. ONLY XXXX OF MY {$1100.00} PAYMENT IS GOING TO THE PRINCIPAL. I WAS TOLD THAT BANKS DO THAT FOR THE FIRST YEAR WHICH IS A LIE. I'VE HAD PLENTY OF VEHICLES BEFORE AND BEEN ABLE TO FINISH PAYING THEM OFF EARLY. THE BANK I'M WITH NOW WILL KEEP THE WHOLE PAYMENT IF I SEND EXTRA. THE FIRST ACCOUNT I'VE HAD WITH THEM WAS SUPPOSED TO GET A REFUND OF ONE OF THOSE PAYMENTS SINCE THEY CLEARLY STATED THEY CAN'T APPLY IT TO THE PRINCIPAL. THEY CLAIM TO RECORD PHONE CALLS SO IT SHOULD BE ON RECORD THAT I WAS PROMISED MONEY BACK AND IT NEVER HAPPENED. I MADE THE SAME COMPLAINT WITH THE ACCOUNT I HAVE NOW AND THEY STATED THE SAME AND YET AGAIN NEVER RECEIVED ANYTHING. I'VE MADE OVER {$22000.00} IN PAYMENTS BUT YET ONLY {$10.00}, OF THAT HAS BEEN PUT TOWARDS THE PRINCIPAL AND I DON'T SEE HOW THAT IS FAIR SO I NEED HELP. WAS EVEN TOLD THAT IT DEPENDS ON WHEN I SEND MY PAYMENT BUT I'VE SENT ON DIFFERENT DAYS BEFORE MY DUE DATE AND IT'S THE SAME OUTCOME. MY REQUESTS HAVE GONE UNANSWERED SO WAS TOLD ABOUT YOU GUYS FROM AN ATTORNEY. THE BANK NAME IS ALLY.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX Subject : Comprehensive Complaint Against Truist Bank for Chronic Financial Mismanagement and Regulatory Violations Dear Office of the Comptroller of the Currency, I am submitting a formal complaint against Truist Bank for a series of ongoing financial mismanagement incidents and unethical banking practices spanning from XX/XX/XXXX to the present. These issues have significantly impacted my financial stability and have been repeatedly mishandled by the bank. 

Detailed Account of Issues : Persistent Issues - XX/XX/XXXX to XX/XX/XXXX : Repeated Identity Fraud Issues : Truist failed to resolve or appropriately address multiple incidents of identity fraud that affected my accounts, despite numerous complaints and requests for action. 
Misleading Communications : During this period, Truist frequently provided misleading information about the status and resolution of these fraud cases. 

Improper Financial Handling - XX/XX/XXXX : Unauthorized Financial Actions : Truist prematurely withdrew funds for a Cash Reserve service, XXXX days before the due date and without the XXXX notice promised in their policy. 

XXXX Transaction Dispute - XX/XX/XXXX : Mismanagement of XXXX Dispute : After a client dishonestly disputed a XXXX payment, Truist did not alert me or handle the dispute appropriately, causing significant financial and operational disruptions. 

Refund Mishandling - XX/XX/XXXX : Debit Card Deactivation and Refund Issue ( XX/XX/XXXX ) : Instructed not to deactivate my debit card pending an XXXX refund, Truist did so anyway on XX/XX/XXXX, causing {$1800.00} to go into limbo. 

Customer Service Failures- XXXX to XX/XX/XXXX : False Assurances and Delay Tactics : Truist provided multiple false statements regarding the refund processing and timelines, which led to a prolonged resolution process and added financial distress. 

Request for Action : Comprehensive Investigation : I urge the CFPB to conduct a thorough investigation into these repeated failures and potential violations of banking regulations by Truist Bank. 
Immediate Rectification : I seek prompt corrective actions and the enforcement of consumer protection laws to address these ongoing issues. 

Enclosed are all pertinent communications, transaction records, and evidence of the mishandled actions as supporting documentation for this complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.