davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I disputed inaccurate information with Experian in regard to this account XXXX XXXX XXXX  thru the CFPB and Experian which both bureaus stated the information was verified and accurate. After checking my credit report prior and post dispute the information is still obviously inaccurate! On my Experian report the account displays an XXXX days past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX days past due as of XX/XX/XXXX, XXXX XXXX as of XX/XX/XXXX then Collection as of XXXX XXXX XX/XX/XXXX then back XXXX XXXX XXXXXX/XX/XXXX until XXXX XXXX is inaccurate because the timelines of past due, collection, and charge off should be chronologically reported on my credit report which it is not. This violation of Section XXXX ( c ) ( XXXX ) to include the Experian website stating : Paid, unpaid or settled collection accounts remain on your credit report for XXXX years from the date of the first delinquency that led to the XXXXThis account has XXXX XXXX past due dates which it should only be just XXXX has XXXX XXXXXXXX XXXX  start dates which violates Section XXXX ( c ) ( XXXX ) again. Another blatant inaccuracy violation is reporting a false current/term met date in XX/XX/XXXX. This inaccurately extends the debt automatic removal date to an additional XXXX years to XX/XX/XXXX. An account can't be XXXX XXXX, reported as a collection and then XXXX XXXX again and XXXX made and directly back to charge off.These are clear inaccuracies that Experian allowed to remain on my credit report. The account is not XXXX XXXX  accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of the report from the Experian credit report website XX/XX/XXXX. I've attached the response showing that Experian told me the account remains with all the inaccuracies.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 XXXXXXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have requested the removal of the TJX Rewards card that XXXX listed on as an authorized user from Equifax and XXXX. This information is also listed on XXXX XXXX. The information hasnt been removed. This is causing my debt to income ratio to reflect improperly.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

My property is being foreclosed on XX/XX/2016 without appropriate notification. Th representative does not know at nation star mortgage what happens at a foreclosure sale date was not able to provide sufficient answer the only I found out was by a foreclosure preventive attorney who sent me the notice of sale date attached. I have ill mother at home they sent XXXX field office officer who banged at the door so hard my mother was scared did not open the door they left a notice at the door stating mortgage holder will have the property winterized. This is harassment not a process. I declined the modification because the monthly payment was too much. The resolution I require is appropriate notification of sales date, if possible why cant the mortgage company work with current housing market value instead of a loan balance of XXXX the house is only worth XXXX please take this complaint to a escalated level I am harassed by nation star Mortgage
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX and XXXX I called into annualcreditreport.com and requested my consumer reports and haven't received anything yet. I even requested my 3 consumer reports from annualcreditreport.com via mail and haven't received anything at all. U
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-22
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. (VA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WY)

Nationstar Mortgage LLC. is attempting to foreclose on my home using falsified documents. I will be attaching two Assignment of Mortgage documents which show fraud in the form of conflicting dates and locations. 
The first Assignment of Mortgage to XXXX, took place on XX/XX/XXXX in the state of XXXX. This Assignment of Mortgage was never filed at my local courthouse. The second assignment of Mortgage took place on XX/XX/XXXX in the state of XXXX. These conflicting Assignments substantiate the complaints which I have filed with CFPB previously, proving that XXXX did not follow the proper chain of title when the Assignment of Mortgage took place.
Consumer complaint received 2024-06-03
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
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)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: 3rd Generation, Inc. (CA)

Hello, I am disputing this because it is wrong for them to put this on my credit report when I'm still paying them. How can they put this at the middle of the purchase of the car payments when I'm still paying on it? Not to mention this car has been a awful investment. I purchased this car because the car I wanted was undergoing work it needed. So this car was a loaner and wrecked at that. So, I needed a car really bad so I got it with the XXXX down-payment I may add. 3 months into the car the motor blew out on me. So there was another XXXX no warranty on car may I add. And now I can't even get to pass smog because of a Gas leak on the underneath of the car.And this company has got alot of nerve to put this on my record of late payments. XXXX XXXX XXXXXXXX XXXX XXXX they get their payments. So they got no rite to put this on my credit report. This car is almost paid off. But they should be getting sued for the lemon law. They want to ruin my credit that I don't really have and trying my hardest to build. Could you please look further into this. It's not fair for these people to have the rite to put false information on me.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request LVNV FUNDING provide me with competent evidence that I have any legal obligation to pay LVNV FUNDING a balance of {$1700.00}.

At this time, I will also inform LVNV FUNDING that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by LVNV FUNDING or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If LVNV FUNDING are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, LVNV FUNDING must provide the proper documentation in regards to the following 4 questions below : 1 ) SEND ME A DETAILED LIST OF ALL THE HISTORY OF PAYMENTS MADE BY ME ON THIS ACCOUNT # XXXX. 

2 ) I WANT TO SEE THE SIGNATURE THAT I PUT ON A CONTRACT GUARANTEEING I WOULD PAY LVNV FUNDING LLC.

3 ) I WOULD LIKE TO SEE ANY INSURANCE CLAIMS FILED ON THIS DEBT.

4 ) I WANT PROOF THAT LVNV FUNDING LLC HAS THE CHAIN OF TITLE TO COLLECT ON THIS DEBT. 

Without any of the following questions being answered and without proper documentation from LVNV FUNDING. The consumer will not have been afforded his right to due process.
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have agreed to do a standard short sale with Nationstar. After my agent has submitted a solid offer with a solid Buyer and the lender conducting a BPO on the XXXX of XXXX the lender ( nationstar ) is trying to force me to go thru an Auction Process of which will scare by buyer away as they will withdraw their offer. Conducting an auction that makes no sense after having received a solid offer. The property has been on the market for almost 1 year and we finally have an offer to close quickly and now they want to force me to allow an auction. How can a lender who has no legal right to conduct a sale on my property force me to participate in such a ridiculous action and cause me to lose the solid buyer i have in place. Also, to make matters worse the 2nd Lien Holder foreclosed on the property on XXXX/XXXX/2017 but has agreed and allowed me and my agent to continue Negotiations and proceed with Nationstar for a STANDARD Short Sale. Not an Auction from a Vendor/3rd Party who will try to sell something they have no legal right to sell. What an Absurd practice that they are trying to force upon me. I know a few other individuals who have had gone thru the short sale process with NationStar and none of them went thru a forced auction. This Practice in my Opinion is wrong and should be looked into. Please help bring Light to this Situation as they seem to be on a one track mind and are adamant about either going thru with the Auction or they will decline the file. please see the attachment that was sent to me this morning stating the above.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (FL)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2024-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (FL)

Discover has sent me a bill of XXXX as a charge off that some collection company bought from them and is saying that I owe them. I have asked for the original contract with my signature, proof that I signed for them to collect a debt that I have no knowledge of and I have not yet received any information from the collection agency. So I'm asking for this account to be removed from my credit report and updated. 
Dates : XX/XX/year> to now.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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: FlexShopper, Inc (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.