davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LOBEL FINANCIAL CORPORATION (FL)

I recently noticed that I am a victim of identity theft, and I am requesting an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit information or applications will be approved or issued until the lender first verified my identity.Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS
Consumer complaint received 2024-05-07
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my NUMEROUS request that 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 items 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 XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-04
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)

Was not able to access my account when third party company said my account was frozen. When I notify company they said it was not, I told them of my ongoing issues with TransUnion and it's now over a year and problem has been effecting my way of living. After doing more research I decided to call a number on the report. Turns out one of the issues they mixed up my info with my son 's. Caused me catastrophic problems in my life.
Consumer complaint received 2023-11-07
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)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Under 15 U.S.C 1681 Section 602 states I have the right to privacy.

Under 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.

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request an investigation into inaccurate and potentially unverifiable items listed on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As stipulated by federal law, I request a thorough investigation and removal of these items if they can not be verified as accurate.

Please find attached documents that support my claim. These include [ list any relevant documents such as payment records, court documents, etc. ]. 
Under the FCRA, you are required to complete the investigation within 30 days of receiving this notice and to remove any information that is found to be inaccurate or can not be verified. Please ensure all information related to these items is thoroughly investigated and corrected or removed accordingly. 
Please send me a written confirmation of the receipt of this letter, along with the outcomes of your investigation. I expect that all incorrect information will be removed, and a revised credit report will be sent to me at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response. Please feel free to contact me at my phone number or email address listed above if you need further information. 

Sincerely, XXXX
Consumer complaint received 2024-03-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (OR)

Me and my partner are looking to purchase my Grandmothers house. We are looking to assume her loan since it is an FHA loan and she has a good interest rate. We started this process with Mr.Cooper in XXXX of 2023. It took them a while to send us the application to fill out by mail. When we did receive the application we promptly filled it out and returned it to them. We didn't hear anything back for a few weeks, so we contacted them and they said they didn't receive our application. Instead of trying this process over again they allowed us to submit our application and documents online via one of their secure web browsers. We submitted these documents XX/XX/2023. I was told this application process wouldn't take more than 6 months to complete. Mr.Cooper has my call records of me calling them each month for updates and they tell me the same information. That they are waiting on my application to be approved and accepted by a loan officer. After me constantly calling they finally forwarded our application to a loan officer on XX/XX/2023. We submitted the required information the same day. I thought after getting a loan officer we were moving in the right direction, but it was the exact opposite. That was the last time I would be in contact with our loan officer. I emailed him XX/XX/XXXX of 2023 and didn't hear anything from him. After not hearing back from our loan officer I tried contacting Mr.Coopers customer service a few weeks later. They are never any help because they claim the assumption department is an internal department and they have zero information on our application. They tell me they will forward this to them, but I never get any phone calls or emails from the assumption team. I have tried contacting them numerous times, but essentially I am getting ghosted by the assumption department. To me it looks like they do not want to complete our assumption application because they aren't going to be profiting from it and if they ignore us long enough we will go a different route. I think it is unacceptable and unprofessional to do what they are doing to us. It has almost been a year since we have tried to start this process.
Consumer complaint received 2024-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (IL)

On XX/XX/year> I made a payment of {$300.00} on my credit card to be paid on the due date which was XX/XX/year>. On XX/XX/year> the credit card company took the entire balance which was {$6400.00} out of my checking account which left it at with a negative balance. I called the credit card company and they said that they would put the {$6400.00} back into my account resulting in a positive balance, which they did on XX/XX/year> and they told me just to pay the {$300.00} once the balance was put back on the credit card. However, on XX/XX/XXXX they once again tried to collect the {$6400.00} from my checking account. I do not have that much money in that account. This has resulted in a negative balance. I pay my other bills from this account and now the bills I have paid are being sent back as insufficient funds. The reason why I got this credit card years ago was because of the very low interest rate for the life of the loan. I have been religiously paying on it for the last few years every single month. First, I am afraid that the bills that I have paid using my checking account will come back as insufficient and I will be charged fees for those, which would probably affect my credit score. Second, Im afraid that I will lose the very low interest rate that I have for the balance of the credit card. Any help you can offer would be greatly appreciated. Thank you for your time.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RentDebt Automated Collections, LLC (TX)

XX/XX/2023 an account that I have no recollection of appeared on my credit for a balance of {$52000.00}. The company or creditor ( XXXX XXXX XXXX XXXX XXXX ) has sent me an affidavit to fill out, notarize, and fill out. They've also requested a photo color copy of my I.D, a police report and a claim from the consumer financial protection bureau.
Consumer complaint received 2023-08-28
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-03
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: WELLS FARGO & COMPANY (CA)

Payment went 30 days passed due in XX/XX/year>. I was not called nor notified in any way shape or form of the delinquency. In fact, I was out on XXXX XXXX XXXX XXXX XXXX  and not only did I have XXXXXXXX XXXX done, but my workplace XXXX XXXX XXXX XXXX. After speaking with my XXXX, I was told my employer was in breach of contract. Because of the XXXX  and XXXX XXXX XXXX XXXX I was unaware that a payment was missed. Once I found out about the missing payment, I did my best to rectify the situation. I have been a customer with Wells Fargo for many years and I have never had any issues or problems. There is a team that is dedicated in reaching out to consumers when payments are late, however, I did not receive any notifications via mail, call, nor text. Wells Fargo verified that there is a team that reaches out to people when payments are late, however, they stated it is not mandatory. As a long time customer, I would have hoped that they would have reached out to me to rectify the situation prior to then reporting the situation. Had they of reached out to me, I could have found a way to rectify the situation even in my current state after the surgeries.
Consumer complaint received 2024-03-01
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: Avadyne Health Holdings, Inc (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-01-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX using account XXXX and 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX - XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-04-04
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. (FL)

TransUnion, XXXX XXXX XXXX XXXX  XXXX, PA XXXX RE : Request to Block Trafficking-Related Information XXXX XXXX XXXX XXXX Dear Sir or Madam, I am a survivor of XXXX XXXX and I am reaching out to address a matter concerning my credit report. The following information listed on my credit report is a direct consequence of the XXXX I have endured. With this letter, I am providing you with the XXXX XXXX XXXX case number assigned to my situation : XXXX. I kindly request that you block the entry labeled " XXXX XXXX XXXX  '' from my credit report, as it relates to the trafficking-related circumstances and the identified source. 

In accordance with section 605C of the Fair Credit Reporting Act, I respectfully ask that you take necessary measures to block this information from my credit report within four business days. I kindly request that you provide me with notification of the actions taken. Your prompt attention to this matter is sincerely appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations.

Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 

In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 

Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (MD)

I sold my home that had a VA loan with my lender MR Cooper in XXXX of 2023 through a VA loan assumption. MR Cooper sent a tax form to the buyer for the entire year of 2023 even though they did not purchase the home until XXXX of 2023. From XXXX until XXXX I paid the mortgage and the associated interest, but when the loan was assumed all records were transferred to the buyers account and MR cooper refused to provide me with a tax form to show the interest that I had paid on the loan. 

Additionally I believe MR Cooper intentionally complicated the loan assumption process causing the settlement to take much longer than necessary. Several times I was told by MR Cooper employees that I was not eligible for a loan assumption and that I should cancel the contract and do a direct sale. Clearly I was able to complete the loan assumption but believe that MR Cooper took steps to deter me.