davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PR)

Both my stident loans were always on forbancr..i was not supposed make any payments for i had no incone XXXX. 

In XXXX and XXXX additionally puerto rico wa hit by 4 hurrixanes. XXXX. We were declared disaster zone by the US president. 

The late payments they repirted on my account are wrong. I want them erased. They are harming my crexit score. 

There was no liability to pay at that time.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I 'd like to request assistance with a problem I 'm having with XXXX, an employee in the XXXX at NationStar Mortgage. A few weeks ago, I contacted my first lienholder, NationStar Mortgage, asking for a loan modification. I specifically asked for a reduction in the interest rate from XXXX % to XXXX %. I also told them I had excellent credit and that my payments are current, as they already knew. They started the loan modification process by asking for an application and multiple supporting documents, all of which I provided. NationStar notified me I had to resubmit the XXXX, which I resubmitted. NationStar had pre-filled in some of the data on the form and it was incorrect, so I had to correct it and resubmit it. Then, last week XXXX XXXX who was assigned as the point of contact for my loan modification called me and said I had to submit the IRS for XXXX for a third time, but she was n't sure why or what was wrong with it. An argument began after she told me loan modifications are only for people who are behind on their payments. In other words, what she was telling me was that I do n't meet the requirements for a loan modification, but she still wanted me to resubmit the IRS XXXX in order to go thru the motions of a loan modification application despite knowing it would be denied. A day or XXXX after this exchange, I logged into the NationStar Mortgage website, but was unable to access the message center where I intended to complain about this phone conversation with XXXX. I 'd previously sent messages, but after that conversation I suddenly could n't access the messaging function. I still ca n't access it today, XX/XX/XXXX. So, today XXXX, I called NationStar Customer Service at XXXX, but the phone system automatically routed me to XXXX voicemail, multiple times. I can not speak to a NationStar customer service representative because my phone number is being automatically re-routed to XXXX voicemail. I called back blocking my number, and it still went to XXXXs voicemail. I 'm not even calling XXXX number, I 'm calling the main NationStar customer service number. NationStar is servicing my mortgage, but I ca n't talk to customer service because my number is being automatically re-routed to XXXX voicemail. She also did n't respond to an email I replied to asking why she still needed that IRS form for the third time if I do n't even qualify for a loan modification. This is mind-boggling to me.
Consumer complaint received 2024-07-11
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)

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 : DEPTEDXXXX 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have accountspassed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03
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. (FL)

I opened a dispute with XXXX, XXXX and TransUnion. However they did a personal dispute and not a dispute under the FCRA laws which is incorrect disputing to begin with. As of result the dispute concluded as is. Both XXXX XXXX XXXX XXXX XXXX XXXX did not remove the debt from my credit report.
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion DateXXXX File : XXXX Names Reported : XXXX XXXX is not my legal name and I feel it is affecting my credit. 
XXXX XXXX is a female name. Not my legal name. 

Transunion has acted reckless with this name in which has affected my credit score in reasons by wrong names on my credit by Transunion credit file. 

I'm also filing a complaint with the US attorney to investigate Transunion wreckless actions affecting my credit.

Address Reported by Transunion are all wrong with multiple address duplicated of home address as well as phone numbers are not mines.

Transunion has mix credit names of a woman and man in =which are not me and therefore has an impact on my credit file on mix credit. XXXX XXXX XXXX I have consulted with a credit attorney out of Texas in regards of legal action by the impact of my credit file and negligence by transition Mixed credit file incorrect.
Consumer complaint received 2024-06-26
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. (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
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. (TX)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX DEPT OF EDXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (CA)

A debt from Guardian Capital Management for an account placed by XXXX XXXX XXXX is demanding the amount of {$4100.00} dollars. The XXXX XXXX XXXX XXXX a housing capacity for student in the state of XXXX I was a student and I held a room there at the XXXX XXXX XXXX but one night an altercation with the room mates led to them calling the police. When the police arrived I was forced to leave. I returned the next afternoon only to be allowed to remove my belonging from the room and told that if I returned I will be considered trespassing and they would call the law to arrest. I never returned but signed out my lease because I had to return the keys. There was a one month security deposit they held and now they want me to pay for the months I did not stay in the lease. This is three or 4 months of rent they are trying to collect but I did not stay with the lease. A police report was filed on the day of the altercation. 

Please advise. 

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. (IL)

PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
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. (DE)

XXXX XXXX XXXX has been updating inaccurate account information to the XXXX credit bureaus for years. I have not had any accounts with this company, they have reported XXXX duplicate accounts on my report, when I notified them they advised the accounts were inaccurate and they would remove them from the credit report. They did not, I contacted all three credit bureaus and they refused to remove the information. They were not willing to send verification of these accounts to me and they advised me to contact the creditor. Please look into this and remove the XXXX inaccurate accounts from all three credit bureaus reports.
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. (IL)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2023-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc. (TX)

I began the dispute process on a collection item that appeared on my credit without any letters or information about the debt. I decided to dispute the debt on XXXX and received a letter on XX/XX/XXXX  from the debt collection agency XXXX XXXX XXXX XXXX that stated, " We have received your request for debt validation. We have not yet received the information you have requested. As such, we will suspend our collection efforts until we are able to validate the debt for you. If applicable, we will not report this debt to credit reporting agencies until and unless we are able to validate the debt for you. '' They NEVER stopped reporting the debt to the credit agencies and have not followed up with me to validate the debt. I still have no clue what this is for or about and it is not changed on my credit report.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
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. (IL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting to follow up on my prior complaint from XX/XX/XXXX. While I acknowledge and appreciate the removal of some incorrect items from my credit report, it remains affected by other unauthorized entries. There are still a number of unauthorized hard inquiries recorded on my credit reports, detailed as follows : XXXX : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX -- -- -- -- -- -XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have already notified each company by certified mail that these inquiries were made without my authorization and demanded their elimination. Under the mandates of the Fair Credit Reporting Act, I insist on the removal of these unauthorized inquiries from my credit report. I would appreciate receiving an updated copy of my credit report after these corrections have been made.
Consumer complaint received 2024-06-26
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)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer - XXXX XXXX  Employer - XXXX XXXX  XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
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. (FL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
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. (CA)

I am writing to address a persistent issue regarding the validation of my address and identification details in your records. Despite submitting the required documents multiple times, it appears that these vital pieces of information continue to be disregarded by your bureau. 

I can confirm that the address and identification provided are valid and up-to-date. I have taken the necessary steps to ensure that the documents submitted are accurate and meet your requirements. However, it is concerning that these efforts have not resulted in the validation of my address and identification details in your records. I kindly request that you thoroughly review the documents I have submitted and update my information accordingly.It is crucial that my address and identification details are accurately reflected in your records to avoid any further discrepancies.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Transunion shows a Public record on my credit report it doesn't belong to me, I dispute this so many times and they do noting an still on my credit report I ask for the investigation documents and they don't send me notining. They violate my right by having a public record that is not mine and don't send me the information of the investigation.
Consumer complaint received 2017-03-10
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

This complaint is in reference to a previously filed complaint # XXXX. 
I received a response from the CFPB stating that my complaint had been forwarded to the company ( Nationstar Mortgage LLC DBA Champion Mortgage ) on XX/XX/2017. This company is a mortgage servicing company. I have not received a resolution to my complaint. I have attached 2 letters to this complaint, to add more information and a sense of urgency for resolution.