davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to dispute the accuracy of an account reported on my consumer credit report ( XXXX XXXX account number XXXX ), as governed by the provisions of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. The purpose of this communication is to request an investigation into the matter and the immediate removal of the disputed information. 

The account in question involves a " charge off '' that has been categorized as income by the Internal Revenue Service ( IRS ). It has come to my attention that income is not meant to be reported on a consumer credit report, as it does not comply with the FCRA 's guidelines regarding accurate and fair reporting. According to the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of consumer information, and any inaccurate or misleading information must be promptly corrected or removed.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

An unauthorized and fraudulent inquiry from CAPITAL ONE dated XXXX has appeared on all three of my credit reports ( XXXX, XXXX  and XXXX ) and has affected them and my scores negatively. I contacted the CPA 's and filed a dispute on this inquiry that I did not authorize. Please investigate and remove this inquiry from each of my credit reports. Thank you.
Consumer complaint received 2023-02-14
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. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : Lumen My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX Enc. PassPort, SSN Card, and Proof of Residence
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (PA)

I contacted these companies and they did not provide any documentation supporting these fraudulent inquires on my credit reports to remove for unauthorized use of my credit and need these removed asap please and thanks. I am also attaching the Identity theft report to support my argument for removal of these items from my credit reports asap.
Consumer complaint received 2024-05-10
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. (CA)

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to Bank of America first reported in XXXX was re-aged on my credit reports by Bank of America. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, Bank of America continues to report this alleged debt that is not owed by me and Bank of America has not been able to prove that I owe this debt. In fact, Bank of America owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform Bank of America that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2016-05-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

On XXXX/XXXX/XXXX I received an XXXX dispute update indicating Foreclosure proceedings started on XXXX XXXX. 

Nationstar has started foreclosure proceedings without any noticeto me. 

Nationstar 's predecessor, XXXX XXXX XXXX transferred loan number XXXX that had a XXXX balance. Nationstar 's predecessor 's agent sold the property associated with the loan number XXXX in a foreclosure sale on XXXX XXXX, XXXX. 

I have been in litigation with XXXX XXXX XXXX, Nationstar 's predecessor since XXXX XXXX, XXXX. This lawsuit is currently pending in the XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX v. Bank XXXX New York XXXX and others. 

Nationstar was transferred a zero balance loan and now they are claiming I am {$110000.00} past due according to the XXXX XXXX, XXXX credit report date. 

I have never executed any loan agreements after the foreclosure sale to reinstate the loan XXXX. Notwithstanding, reinstatement or any other loan agreement would fall under the Texas Statute of Frauds. The Statute of Frauds bars any collection of debt by Nationstar if it 's not in writing. 

Nationstar claims I am $ XXXX delinquent, which is equivalent to about 61 months. The foreclosure sale took place on XXXX XXXX, XXXX, 47 months ago. Ironically, this is the number of months Nationstar showed the account delinquent when is was transferred on XXXX XXXX, XXXX. 

Nationstar ca n't provide any explanation for the 47 month delinquency when they were transferred the loan from their predecessor. Their predecessor, XXXX, never sought to collect any payments after the foreclosure sale on XXXX XXXX, XXXX. In other words, between XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX never sought to collect any payments on loan XXXX. My credit report showed the last account activity from XXXX XXXX XXXX referencing loan number XXXX was in XXXX XXXX. 


Nationstar was transferred this loan on XXXX/XXXX/XXXX, almost eighteen months ago. I need them to validate the debt. 

1. What loan agreement or legal document ( s ) was executed to reinstate the loan XXXX after the foreclosure sale? 
2. What date was the loan XXXX reinstated after the foreclosure sale? 
3. Who are the parties that reinstated the loan XXXX? 
4. What actions reinstated the loan XXXX? 
5. Was Nationstar a party to any reinstatement or loan agreement after XXXX XXXX, XXXX? 














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Consumer complaint received 2023-08-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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.

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 2024-05-09
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-04-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

MY name is XXXX XXXX I have a mortgae loan with nation star Loan # XXXX I lost my wife in 2014 of XXXX I no longer have her help with her income due to her death I am a XXXX year old man I tried to modify my loan with nation star because as of XXXX XXXX they want me to pay {$1800.00} these people are very unprofessional my daughter XXXX XXXX have been calling everyday to speak to a XXXX XXXX and she has not respond not even one call from her than she contact a XXXX XXXX XXXX and they filled out paper work and summit to nation star. and today she called and they told her I was denied for the modification I have never been late on my payments I can not pay that amount that they want I want to keep my home since its the only thing that I have left and many memories f me and my wife all I ask is to please give me an affordable payment and a low interst rate that I can pay my kids help me out with the bills due to the fact that I can pay them all by myself last year I had a XXXX XXXX help me out with my loan but he never told me that the interest rate and mortgage would go up they lied to me and I am an American citizen and I want justice as you can search my records I have never stop paying my mortgage even when my wife died so its not fair that they do n't care if I loose my house or not but I do to many memories I hold in this house please I need you to help me I told them I was going to contact you and they said so do what you have to do,,, were dealing with un professional people here once again please help me my phone is XXXX ) XXXX be free to call me anytime Sincerely God Bless XXXX XXXX
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (FL)

When filling putt the application with Navy Federal Bank over the phone, my information was not added at as disclosed for the application. I attempted to call XXXX XXXX left XXXX voice mails to call me back no response at the number of XXXX. I also called to inform of the application mix up and I was told an email was sent with still no call back. On XXXX XXXX XXXX called to let me know the application was going to underwriting I informed her of the mix up and she said it would be fine even though I was only able to prove HALF my income. I have been trying to get the company to assist me on getting this resolved. They TOOK my money for the application fees but do not want to call me back or report the charges as FRAUD because it was the banks mishap.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/year> I received a successful XXXX deposit of {$1200.00}. 
On XX/XX/year> I received a successful XXXX deposit of {$300.00}. 
Both from the same person. 

On XX/XX/year> I received an email from my bank Navy Federal, stating that a review of my account indicated potential suspicious activity. I called the number provided by Navy Federal and I was informed that my account was closed. 
I went to the branch the same day and received the funds in my account minus the XXXX XXXX deposits. 
I have been in contact with the sender of those deposits for the last XXXX days, and the funds have not been returned to him or myself. 

The sender did not report fraud and nor did I. Navy Federal refuses to release the funds to either party.
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-09
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. (TX)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Subject : XXXX XXXX XXXX, I am writing to dispute a collection/charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reporting on my XXXX, Experian and XXXX Credit Report by your company XXXX XXXX evidenced by the attached page from my report is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file partly or fully when such has been considered income. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and for which a Form 1099-C must be issued. Since your Company failed to issue Form 1099-C, one has been generated, issued, and accepted by the IRS which cancels the debt with the creditor.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge-off on my credit report is inaccurate and should be removed immediately. 

I am requesting that XXXX XXXX within the next 15 calendar days from the date of this letter rectify this inaccurate collection/charge and immediately delete it from your database. You are also to immediately delete the charge-off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please be aware that at the expiration of the 15 calendar days, should I not receive your confirmation that this issue has been rectified, I will be forced to file complaints with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hey I Received an 1099 Form for the charged off accounts : Account XXXX XXXX XXXX Account number : XXXX  Account XXXX XXXX XXXX Account number : XXXX  from creditor an accounts was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off accounts must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report 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.