davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I 've been trying to work with Nationstar for months now. I submitted a claim abouta month and half ago due to after several calls and promises they could not orwould not sign a form needed to change my property from a titled property to a realdeeded property after I had the work done to do so. Since I could get the formsigned I went to bank and borrowed the money to pay the Mortgage off on XXXX/XXXX/15, then I would n't need the form signed a lien holder anymore. Well now it 's XX/XX/XXXX15and they have yet to send a release of lien to the county tax office in order for thelien to be removed so I could have my property changed from titled to real deededproperty. I 'm been advised that they only had 30 days to do this. Their customerservice told me that and the director of register of deeds told me that. I will bechecking with an attorney I guess, not sure what else I can do. This process allstarted back XXXX/XXXX/2015 and I ca n't seem to get any results out of Nationstar whom Ialways paid on time and would like to have better results from them. I have calledthem at least 15 times and spoke with a couple different supervisors and still can'tget what I need done, but yet they have been paid in full since XXXX/XXXX/2015. They havetold me two to three different dates as to when they processed and mailed therelease of lien, but yet Register of Deeds has not received it. I even gave them tocorrect address for the register of deeds. PLEASE help with this if you can. Wouldbe nice if they overnighted the release as they stated they would when I spoke tothem on XXXX/XXXX/2015 in order to have it done in the 30 days ... DID N'T HAPPEN. 
Thank you for any help, XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

Equifax - The credit reporting agency has not had a working website in 5+ years. There are cases going as far back as 2010 where people recieve the same issue as what we are experiencing now. Every single thing you try to do including the creation of an account, logging into their account and freezing your credit says they are unable to complete at this time and to please call in. 

The SSN database was hacked for all americans and they need to act quickly to protect us or a giant legal case will present itself where they failed to spend the appropriate funds to maintain their site and now allow us to lock our info. 

The two other credit reporting agencies websites are 100 % quick, effecient and NEVER have issues. 

XXXX XXXX XXXX XXXX XXXX XXXX Does not work
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that your claim is disputed and validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account : XXXX XXXX  opened XXXX XXXX XXXX Please provide me with the following : Proof that the United States is not obligated to this debt. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations in my state has not expired.

Complete payment history on this account along with an accounting of all additional charges being assessed.

Proof that you are licensed to collect in my state.

Your license numbers and Registered Agent or Agent of Service.

This will also serve as your legal notice under the FDCPA to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
Additionally, under 15 U.S. Code 1681 ( a ) ( b ), I request verification that this debt falls under the category of an " obligation or other security of the United States. '' Compliance with these statutes is necessary to validate your claim.

All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am writing to file a formal complaint regarding the inaccurate information that has been reporting on my credit report by XXXX XXXX XXXX XXXX Equifax The account in question is under my name with Safe Home Security Account # XXXX Contract on file with Power Home Security They are continuing to report inaccurate payment information and refuse to close the account after written and verbal notification Date of Last Payment - Inaccurate Refusal to close account I previously disputed these inaccuracies Equifax continues to update this closed account with late payments reported by Safe Home Security - whom refuses to close the account. See reference below to better confirm the current situation Safe Home Security, its sister companies, and XXXX XXXX XXXX XXXX, employed alleged deceptive tactics to prevent consumers from canceling their contracts, charged consumers for services when their systems were not working and engaged in aggressive and illegal debt collection practices, in violation of G.L. c. 93A and the AGs Debt Collection Regulations. 
https : XXXX I would like to bring to your attention these inaccuracies are damaging my creditworthiness and financial reputation, I have attached supporting documentation that provides evidence to support my dispute including Equifax disputes ( 4 ) Correspondence with XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-17
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-17
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-19
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXX/XX/XXXX which falls under trafficking according to XX/XX/XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I made my mortgage payment on time however it had a small shortage due to an escrow amount change. The bank impounded my monies, did not apply them, did not return them Rather they held them with full use of the funds and did not compensate me interest. 
The amount that was sent in on time easily covered the principal and interest on the payment as well as 90 % of the escrow. The remaining shortage was already in escrow reserve so I had enough personal funds to meet the commitment. The bank also did not use my full contact information to notify me of the issue, e mail mobile numbers for myself and my wife were ignored. A letter was sent out and a message was left on an old work number. At the least horrible customer service but truly a deceptive business practice. They gather this information leaving the customer secure in the knowledge that the bank can contact you in the event an issue arises. Since amble monies were present to make the payment in full. A payment was never received by the bank late, and the fact they just sat on my funds is a great abuse of the relationship. When I complained to the bank they said they could not help me because XXXXXXXX XXXX is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Well if this is the case where is the fairness and accurate information. The report should say on time payment short a small amount. The late payment leads creditors to believe the payment was not made at all. This is a very big difference. I submit that the bank is in direct violation of the fair credit reporting act by not reporting ACCURATE information of the situation. This situation has caused me to be denied credit and dropped my score XXXX pts for my wife and I.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Fraud detected XX/XX/year> stating the account would be closed, with all funds held for 15 days. It is now XX/XX/year> and I have not received my funds. I have accrued three months of late fees, finance charges etc and have had zero access to this account since XX/XX/year>.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

For XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX For Experian : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX For XXXX : XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was under the influence and faced High-pressure sales tactics at a dealership. I was forced to pay a down payment. Which is illegal lets start there. Then the company violated a cease and desist order multiple times. I was contacted through third parties, us post mail and phone calls from both the company and a debit collection agency. They even left multiple voicemails and questioned me via phone calls. Further more I never received any tax documentation regarding the charge off of my account. All while violating a long list of laws and us codes such as 15 US Code 1605 Definition of a FINANCE CHARGE Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission 15 USC 6802 15 USC 6803 15 USC 6804 MCL - Section 333.16233 47 USC 223 ( a ) ( 1 ) ( c ) Harassing Telephone Calls 18 U.S. Code 1961 ; Organized Crime Control Act of 1980. ( RICO ) 15USC 1681a ( 2 ) ( A ) ( i ) Reporting Tranactions 15USC 1681b ( 3 ) ( A ) Credit Transactions 15USC 16816 Permissible Purpose 15USC 1681a Rules Of Construction Im demanding the Deletion of the account from All credit bureaus along with inquiries.
Consumer complaint received 2024-05-17
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-17
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. (TX)

Please ensure the accuracy and precision of these customer record items. Misinformation of this nature is extremely harmful to my current credit record. Kindly verify that all related information is 100 % accurate and appropriate : XXXX XXXXXXXX Balance Owed : {$2200.00} SXXXX XXXXXXXX Balance Owed : {$2200.00}. If you can not prove this information to be 100 % accurate, please update it immediately. Thank you.
Consumer complaint received 2024-05-17
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. (TX)

The reporting of the account from XXXX  XXXX ACCT # XXXX ON TRANS UNION AND ACCT # XXXX ON XXXXBALANCED AT {$300.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the credit agencies TRANS UNION, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2. 
I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Consumer complaint received 2024-05-17
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. (NJ)

According to my research about FCRA 605, Credit Bureaus 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 are 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 XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-05-17
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. (GA)

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. 

Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-05-17
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and 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 2024-09-12
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. (WI)

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. 

Account Name XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX and 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "