davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following account XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-30
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 have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged 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 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 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (GA)

I have had a 2 year history of terrible service from Nationstar Mortgage now Mr Cooper. ( a new name they assume to cover their dirty image ) They first denied my request for modification under a Federal program that I was qualified for. They said I was not undergoing financial difficulty because I was not far behind on my mortgage payment. After much back and forth with them, they ask me to make payments on a " trial payment '' plan for a modification. While receiving those payments, they reported to the credit agencies that I had not made any payments and was now 90 days in arrears which has significantly affected my ability to borrow having been denied credit since. The appalling thing is, their representative told me they would have the 90 days late removed and did nothing about it so much so that I was surprised when a lender told to me it was on my credit report. In fact, my subsequent conversation with a rep from Coopers said they have no record of me complaining about the erroneous 90 days late. that is not surprising, because I have record of them giving conflicting information from their XXXX reps vs their USA reps. They changed names in the middle of my transaction shutting down access to the Nationstar website then blame me as the consumer for not being able to access their online portal. It is also convoluted as to which of their 2 dba 's they are claiming received late payments. Since they ceased operating under Nationstar and changed names during the modification process it had a grave negative impact on me as the consumer. They assigned me so called " dedicated specialist '' who has NEVER returned any of my several phone calls to him. This company is the epitome of dis-service to the consumer. I have several time requested document from them asking to show how they received my loan in the first place and that ownership/title was legally and properly transferred to the mortgagor in the first place, they have failed to provide any documents over a year now. For all I know they could be collecting money from me under false pretense as they have not provided me with a proof/trail of ownership from the previous owner ( s ). I spoke with rep days ago who promised to send the situation to " research dept '' however, they are not moving fast enough and I have little faith in this company as I was told the same thing before and nothing was done and no correspondence was sent to me one way or the other. I contend that the payments I sent in during the " trial payment period '' were just that " payments '' and should have been reflected as such so I should not look like I was extra late because life happens. Their lack of performance and negligence caused the modification to stretch out over a long period than was necessary. I ask that this company move to erase the 90 day late from the records of the credit reporting agencies.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc (NH)

The account with Harley Davidson Financial, acct. # XXXX was opened on XX/XX/XXXX of XXXX. The company is reporting it as opened on XX/XX/XXXX. This is an incorrect reporting detail. 


In addition, the vehicle was repossessed in XXXX of XXXX. It was then charged off in XXXX of XXXX. The finance company reports that the last payment was made on XXXX, XXXX. This is a second reporting detail that is inaccurate. 

The third issue is that there is reporting of a missed payment in one section of the credit reporting, yet on another section it says that I've been on time with the payments 100 % of the time. 

Last, this account has been reported as open, then closed, and now open with a missed payment again.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (MN)

There has been inaccurate information reported to my credit report. It has been affecting my personal life which is devastating which leaving in distressed. 

Southwest Credit Systems, L.P. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : Request for Purchase Agreements- Account Number : XXXX. Account Number : XXXX Dear Southwest Credit Systems, L.P., I hope this letter finds you well. I am writing to request copies of any purchase agreements related to my account with account number Account Number : XXXX. Account Number : XXXX. 

I am seeking transparency and clarity regarding the terms and conditions associated with any purchase agreements entered concerning this account. 
Details of the Request : Account Number : XXXX Account Number : XXXX Purchase Agreements : Please provide copies of any purchase agreements associated with the specified account. 

I am making this request in accordance with my rights as a consumer and to ensure a clear understanding of the terms under which any purchases related to this account were made. Your prompt attention to this matter and timely provision of the requested information would be greatly appreciated. 

If there are any fees associated with obtaining these documents, please inform me in advance. I look forward to receiving the requested information within 30 days of the date of this letter, as stipulated by applicable consumer protection laws. 

Thank you for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC (FL)

I have been trying to sale the property but the servicer Gregory Funding does not work properly and is not moving the short sale after got an XXXX ; moreover, the attorney in the foreclosure said that he does not know anything about, and reschedule the foreclosure sale in less the soonest available
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-27
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: EQUIFAX, INC. (FL)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello I am writing you about my fraud transaction on my family account of Bank Of America. 
I came here 7 month ago and open family bank account at the Bank Of America. Firstly everything was .However 3 fraud transaction happened in XX/XX/XXXX. 
date : XX/XX/XXXX amount : {$1000.00} date : XX/XX/XXXX amount : {$110.00} date : XX/XX/XXXX amount : {$250.00} When it happened first time we immediately called and reported about this issue .They opened claim .In XX/XX/XXXXXXXX  it fraud transaction happened again and we called them again and reported 2 fraud transaction. We changed our credit cards, phone numbers for avoiding this type of issues and Bank opened second claim for new 2 transactions. However they did not solve these problem. XX/XX/XXXXXXXX  Bank Of America sent letter to us about first claim and they demand {$1000.00} payback .Then we tried open claim again and went to police and sent them police report .We did not spend this money. 
XX/XX/XXXXXXXX  Bank Of America sent letter us about second claim .They closed the claim and demand also this money back. 
Bank Of America did not solve our problem and did not show information us about their research, how they decided that, about transactions but they demand money back we are new here, we dont have money .This issue affect our life .Our credit card limit is {$1000.00}, we couldnt spend money for a while .Also this issue affected our credit score. 
We did our best effort, We called Bank Of America more than 20 but their customer service always wasted our time on the line did not help us. 
I would appreciate a prompt resolution to this issue. 
Thank you for your attention to this matter. 
Sincerely,
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION (CA)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question Current Address ( es ) 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 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (SC)

This negative collection account by Eastern Account System was reported to the credit bureaus, and added to my credit report even though when I closed the account with the original credit my account was closed, paid and in good standing. All equipment used was also returned to the original creditor.

I have NO KNOWLEDGE of this debt, as I did not owe the original credit any unpaid balances, and have never personally had an account with Eastern Account Systems.

I have previously contacted Easter Account System to resolve this matter, advising them that I do not owe this debt and the account was reported incorrectly. I have even suggested a possible settlement, just so that this could be resolved and removed from my credit report, even though I know this debt collection is inaccurately reporting. The collection agency declined.

I also search up on the NMLS.consumer.access.org website to verify if this company is legally licensed to collect any debts for the state of South Carolina, where I reside as a resident and they do not have a South Carolina license.

Any attempts that Eastern Account System is making to collect on a debt within South Carolina would be considered illegal due to no license. This is fraud.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

to whom this may concern, I was never late on the paid off account listed below Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. if you can not supply this please delete this alleged late payments from my credit report. the item in question are Ally Financial Ally Financial Ally Financial XXXX XXXX XXXX XXXX After doing so please provide me with an updated credit report reflecting the changes. 
XXXX XXXX
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-01-26
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: ALLY FINANCIAL INC. (CA)

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. 

Creditor Name : ALLY FINANCIAL Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Consumer complaint received 2023-03-20
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. (AZ)

The accounts listed below are in direct violation of Federally protected rights under the FCRA. These debt collectors are committing fraud pursuant to 15 USC 1681. All three credit bureaus are violating my rights pursuant to 15 USC 1681 by reporting inaccurate information to my credit report. The debt collectors below are trying to obtain a debt that original creditor, synchrony bank, has reported 100 % paid in full with 100 % on time payments with the original accounts closed in good standing. XXXX and Equifax both show in my closed account section the original creditor showing this information of 100 % on time payments with 100 % of the original loans paid in full and closed in good standing. Investigate the completeness and accuracy of every piece of information of the accounts listed below. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX  Account number : # XXXX
Consumer complaint received 2024-01-23
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. (FL)

In accordance with the Fair Reporting act XXXX XXXX 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX  {$280.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-04-08
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.