davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Based on a letter I received from XXXX dated XXXX, my loan account was transferred to XXXX effective XXXX. I received a letter from XXXX dated XXXX welcoming me and informing me that they now controlled my loan effective XXXX. ( See XXXX Acct Letter, XXXX Welcome letter attached ) Based on views from all three credit reports, XXXX nor XXXX updated my credit report with this information. I reviewed and have filed XXXX disputes regarding incorrect information sent to XXXX, XXXX and Equifax from XXXX. All three credit reports sent information stating that XXXX stated that my loan was in good standing, active and the loan balance of XXXX is still being reported as {$92.00}, XXXX Since XXXX no longer owned my loan effective XXXX, XXXX had no knowledge that I had received a letter from XXXX dated XXXX informing me that I had received from the XXXX XXXX XXXX XXXX Driven Repayment ( IDR ) forgiveness and my loans were PAID IN FULL effective XXXX. ( See attachment IDR forgiveness letter indicating XXXX balance ) Each time I submitted a dispute with each credit bureau ( XXXX, Equifax, and XXXX ), XXXX continued to report there was a balance. How could XXXX know if there was a balance if they transferred my loan? XXXX failed to update their records with the national credit bureaus indicating that XXXX was my current loan service provider. 

XXXX has also failed to provide the information to the three credit bureaus that they were the last loan service provider for my loans when I was given the IDR forgiveness on XXXX. To date, XXXX is not listed as a service provider on my credit report. 

This fraudulent reporting from XXXX has impacted XXXX, XXXX, and Equifax from reporting my current credit utilization on my credit reports which also impacts my credit score. 

As of XX/XX/2024, XXXX is still reporting that the Dept of Education loan balance is still active and has a balance of XXXX, XXXX. As of XX/XX/2024, Equifax is still reporting that the Dept of Education loan is still an active and open account with a balance of XXXX, XXXX according to XXXX. ( See attachments ) Please review the attached documents regarding my student loan accounts and assist me by updating your information on my credit report. This letter has also been sent to the FCRA and Fair Credit Consumer Financial Protection Bureau to assist me with my complaint. 

In closing, I do not have an active educational loan and my loan should reflect a XXXX balance and not a balance of {$92.00}, XXXX. 

Thank you for reading my email and your attention to this email.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax was informed to remove unauthorized inquiries from my credit report in a CFPB complaint XXXX that was submitted in XX/XX/XXXX, and they failed to remove the inquiries listed on the FTC report XXXX Please remove the following unauthorized inquiries : XXXX  XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CBC Companies, Inc. (MI)

XXXX XXXX LETTER TO CONSUMER REPORTING AGENCIES RE : XXXX  Block Request Case # XXXX : XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I, XXXX XXXX XXXXXXXX, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of XXXX  ) Do hereby attest that I am a victim of XXXX  for purposes of section 605C of the Fair Credit Reporting Act. 
This statement.- [ ] As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

according to the fair credit reporting act 15 USC 1681 section 602 a states " there is a need to insure that consumer reporting agencies exercise their gave responsibility with fairness, impartiality, and a respect for the consumers rights to privacy. '' equifax, XXXX and XXXX are consumer reporting agencies and i am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 witch states " it is the policy of congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681e ( b ) 15 USC 1602 -1608
Consumer complaint received 2024-01-17
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. (MO)

I am writing to express my extreme dissatisfaction and frustration regarding the many unsuccessful attempts to correct the late opening of my account and the removal of the late closure status with Credit Bureaus. Despite multiple communications and persistent efforts on my part, these issues remain unresolved, causing significant inconvenience and frustration. 

The prolonged delay in correcting these issues has not only hindered my ability to access the account 's services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings and late closure status.

Transparent communication regarding the steps being taken to correct these issues.

Swift resolution of the account opening problem, with confirmation of the successful resolution.

Removal of the late closure status from my account. 

Assurance that my account will be fully functional and restored to its proper status once these issues are resolved. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings and late closure status. 

I insist on a resolution within the specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct these late open accounts and remove the late close in my credit file : XXXX  / XXXX XXXX Balance Owed : {$59.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep disappointment and concern regarding the lack of response to my previous dispute and what I perceive as a violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to address inaccuracies in my credit report, I have yet to receive any acknowledgment or response. 

As a consumer, I value the importance of accurate credit reporting, not only for my financial well-being but also for maintaining the integrity of the credit reporting system. The FCRA establishes clear guidelines for timely investigation and resolution of disputes, which I believe have not been followed in this instance. 

The lack of response has caused me significant distress and uncertainty about my financial standing. Additionally, it undermines my confidence in the accuracy and reliability of the information contained in my credit report. This situation could potentially have negative consequences for my future financial endeavors. 

I urge the relevant party to promptly investigate the disputed items on my credit report and provide a written response detailing the results of the investigation. Furthermore, I request that any inaccuracies or discrepancies found be corrected without further delay. 

Compliance with the FCRA is essential to ensure fair and accurate credit reporting for all consumers. I trust that the necessary steps will be taken to address this matter promptly and effectively. 

Thank you for your attention to this issue.
Consumer complaint received 2023-12-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

About XXXX XXXX XXXX months ago a debt collector called Genesis contacted myself claiming I owed my previous Landlord company at XXXX XXXX XXXX XXXX, {$1300.00} for unpaid rent. I left my previous landlord at XXXX XXXXXXXX on XX/XX/XXXX with my full deposit intact. Genesis also started persistently calling my stepdaughter who had a separate apartment at the same XXXX XXXXXXXX complex up to XX/XX/XXXX. 

When I initially asked Genesis to provide written proof of their debt claim. Genesis refused saying that they had already sent me this information which I had never received. Genesis then repeatedly XXXX  or XXXX  a week would call me but more so my stepdaughter demanding payment. Each time I would ask for written proof and Genesis would refuse. 

This collection is showing on my credit report and increases in amount bi-monthly. 

I contacted XXXX XXXX XXXX XXXX XXXX personally and they assured me that nothing was ever outstanding and that my previous information was not held in their computer program. 

The last time that Genesis attempted to contact myself or my stepdaughter was XXXX on XX/XX/XXXX. The collection is still showing on my credit report.
Consumer complaint received 2024-01-17
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. (NM)

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.

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 XXXX 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 2024-01-17
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. (GA)

This is my OTHER request that I have been a victim of XXXX XXXX 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 XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
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. (FL)

the following inquiries were not made by me, I suspect a car salesman stole my identity and applied to companies without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc (VI)

In XX/XX/XXXX we applied for a mortgage using our mortgage broker - XXXX XXXX through Capital Mortgage of Texas- NMLS # XXXX. Our mortgage broker and I supplied all requested documents and was approved for a loan. We had multiple extensions due there request for updated information from the HOA ( purchasing a condo ). Yesterday Capital Mortgage informed our broker that the loan was denied. The reason was that the HOA budget for XXXX and XXXX were in different fonts and the XXXX budget had over a million dollars added to it with no explanation. Our broker told them they would provide supporting information regarding the HOA funds, and explained the money was from an insurance settlement from the XXXX Hurricane. Capital refused to accept this and stated the loan was denied.

Capital Mortgage had the documentation for several months. They have now cost me over {$10000.00} in unexpected rent and fees to move forward with loan ( application fee, appraisal, inspections, credit report, etc ). I believe this predatory practices.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute the accuracy of the information contained in my credit report. Upon reviewing my credit report, I have identified an account that is inaccurately reported. 

I would like to bring to your attention that the information regarding this account is inaccurate. As a result of these inaccuracies, my creditworthiness has been adversely affected, and I am requesting immediate action to rectify this error.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-17
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. (MO)

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 

I wish to outline the following specific concerns : I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. 

I understand the importance of maintaining the integrity and security of credit information, and I trust that your agency will treat this matter with the urgency it deserves. I kindly request a reference number for tracking purposes and confirmation of the receipt of this formal complaint. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (GA)

Ok heres my problem with Nationstar Mortgage/ : Mr copper. I I purchased a house on XX/XX/XXXX. I got a divorce about 11 months after the fact and doing that gave my wife or ex-wife rights to the house. Now here it is XX/XX/XXXXwhich is 12 years later these companies Mr. Cooper/XXXX  mortgage are still posting a negative balance And falsely showing that Im been making a payment 120 days ago because thats what reason my card for 120 days late. This is the question I have is it legal for a company to sell the house twice and still charge the guy that bought the house or XX/XX/XXXX which is 12 years ago in the back penalties or whatever theres any need to do whatever no I dont think so when you sell the house I thought it was him free of all liens indeed and whatever else. So my question is this, if Mr Copper can do whatever he wants, we may as well just go ahead and just throw the Civilian right away that I served in the XXXX XXXX for XXXX XXXX  to defend, Im sorry but these big companys in our country get off to easy with no legal action taken against them for the Unconstitutional and illegal actions that they decide they want to do.My name is XXXX XXXX XXXX my phone number is XXXX please call me and get the rest of the story I have all documentation and representation I need to go to court if you want no I want just going to go down I want to sue them I want him to fix my credit for the past 10 years of mess it up and be punished for it, if nothing else make them give me the XXXX XXXX for the E legal documentation this representing on my credit report as of today 120 days late is 12 years old whats up. Bottom line is this I dont give a care about the money or whatever discount you need to go down just because of doing wrong and I was sick of it. And heres the kick in the XXXX  I cant use my VA loan because these punks have got me two points off of the qualifying close score to qualify for it so they are hindering me from doing what I want to do because theyre doing some illegal so hows that right
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX  XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX. Please repair and update immediately.