davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

You are in violation for reporting unauthorized collection accounts on my credit report. XXXX XXXX didnt send me anything to verify this account. Please see the attached FTC report and remove the following accounts from my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$220.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You are in violation for reporting unauthorized collection accounts on my credit report. Collection agency didnt send me anything to verify this account. Please see the attached FTC report and remove the following accounts from my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the validity of a debt collection effort initiated by XXXX XXXX and reported by XXXX on my credit report. I request your assistance in verifying the legitimacy of XXXX XXXX  claim to collect on the alleged debt. I believe that XXXX XXXX has violated several laws and regulations in their collection activities, as outlined below : 1 Lack of Contractual Agreement : I request to see a contractual agreement that gives XXXX XXXX  the right to collect on the alleged debt in question. As the alleged debtor, I have the right to verify the existence and validity of any contractual agreement that forms the basis of XXXX XXXX collection efforts. 

2.Violation of Gramm-Leach-Bliley Act ( GLBA ) : XXXX XXXX has potentially violated the Gramm-Leach-Bliley Act by sharing my non-public personal financial information with a non-affiliated third party without my consent. This act safeguards consumers ' privacy by regulating the disclosure of personal financial information by financial institutions. 

3.Violation of New Jersey Consumer Financing Licensing Act ( NJCFLA ) : Violation 1 : The NJCFLA requires businesses engaged in consumer lending to obtain consumer lending licenses in order to operate legally in the consumer loan business. XXXX XXXX  collection activities may fall under the definition of engaging in consumer lending, thus requiring them to obtain the necessary licenses. 

Violation 2 : According to the NJCFLA, businesses involved in buying, discounting, or endorsing notes, or furnishing or procuring guarantee or security for compensation in amounts of {$50000.00} or less are considered to be engaging in the consumer loan business. XXXX XXXX debt collection practices may meet this criteria, necessitating compliance with the NJCFLA. 

Violation 3 : While New Jersey 's requirements for collection agencies include bonding and registration processes, XXXX XXXX must adhere to these regulations to operate legally in the state. Failure to comply with these requirements constitutes a violation of state law. 
I REQUEST a thorough investigation into XXXX XXXX debt collection practices and ensure that any reported information regarding this debt is accurate and legally compliant. Additionally, I ask that XXXX provide me with any documentation or evidence that supports XXXX XXXX claim to collect on the alleged debt. 

Please provide a written response to this dispute within 30 days of receiving this letter, detailing the findings of your investigation and any actions taken to address these concerns. Failure to respond within this timeframe may necessitate further action on my part to protect my consumer rights under applicable laws and regulations.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-01
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the XXXX Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of XXXX closed accounts on my TransUnion credit report XXXX The accounts in question are : Inquiries due to Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions. 
I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report. 
I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-01
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. (AZ)

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2019-06-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (FL)

World Finance Corporation This company has stated that I last made a payment in XXXX of XXXX which is incorrect the last payment they received was in XX/XX/XXXX. They are reporting fasley to both XXXX and XXXX. I need a debt validation showing a payment was made they are also reporting to all bureaus each month. Which is hurting my credit. I have sent this company several letters and have asked them to stop reporting false information.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (LA)

My wife and I have been residents of XXXX XXXX all of our lives and want to spend our retirement years in our home. We have done everything we can think of to resolve matters with our mortgage servicer, your company Nationstar mortgage, but our pleas for assistance have been ignored. We are being forced out of our home because Nationstar Mortgage can not get their process together and are failing to communicate with us properly. The servicing of our loan was transferred to them from XXXX Mortgage, but the payments we sent to XXXX XXXX Mortgage and to Nationstar Mortgage was never applied to our loan. Further, Nationstar Mortgage will not speak to us professionally regarding our mortgage and the problems they created. We are in a situation where they are going to take our home away through foreclosure, but it is n't our fault. We are hoping that you could reach out to Nationstar on our behalf and get them to speak to us. We just need a push, not for you to get involved, unless you are will to do so. 

The problem started the end of 2011 when my loan was transferred from XXXX XXXX to Nationstar Mortgage. During our time with XXXX XXXX the service was perfect, but once Nationstar Mortgage took over our mortgage issues began and now has turned into a nightmare. They lost our mortgage payments and this was the start of our problems and they are failing to recognize their errors and correct them. Nationstar Mortgage is refusing to work with us and has declined to take our partial payments. They are now demanding the full delinquency amount. This is impossible and has pushed us further and further behind and we are faced an imminent foreclosure.
Consumer complaint received 2024-06-02
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. (NM)

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the XXXX XXXX XXXX account. No account number has been given.
Consumer complaint received 2018-04-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I paid {$10000.00} to reinstate my mortgage on XX/XX/XXXX. I was told the amount included XX/XX/XXXX payment. I spoke to several consumer service representatives that confirmed that my mortgage was paid untilXX/XX/XXXX. I filed a complaint on XX/XX/XXXX after receiving automated calls that I owed for XX/XX/XXXX. I received no response until XX/XX/XXXXwhere Mr.Cooper/Nationstar admitted they had miss informed on me XX/XX/XXXX ( 10 days after the payment was accepted ) and incorrectly applied my mortgage payment to legal fees. The explanation is unacceptable the restatement amount should have included legal fees. The representative on XX/XX/XXXX ( which was recorded ) told me no legal fees were on the account. I had him check three times if the reinstatement amount was correct. He confirmed it was then I paid the amount requested that day. On XX/XX/XXXX I spoke to XXXX XXXX in response to a letter I was sent by Nationstar/Mr. Cooper saying I would have to request that the mistakenly applied mortgage to the legal fees be reversed to be applied to my mortgage. I ask her to reverse the payment to its original intent. I dont understand this, if Mr. Cooper/Nationstar admitted they made a mistake why would I have to call them in order for them to fix their mistake. Also, it isnt legal to quote a reinstatement amount and accept the payment then say it was an accounting error. Especially, when 3 different representives confirmed I paid the correct amount through XX/XX/XXXX. Now they have a demand letter saying Im 3 months behind when Im 2 months behind.
Consumer complaint received 2024-06-02
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 writing to file a formal complaint regarding the handling of my consumer report by XXXX, XXXX, and TransUnion. I have previously submitted a complaint to the Federal Trade Commission ( FTC ) about this matter, but I am now seeking further assistance from the CFPB. 

On XX/XX/year>, I sent a letter to XXXX requesting an investigation into several accounts listed on my credit report that I believe are inaccurate and harmful. Despite this request, I have received no response as of today, and the inaccurate information remains on my report. Since sending this letter, I have not received any response or resolution from XXXX, XXXX, or TransUnion, and my consumer report continues to bear inaccurate and harmful information. This lack of response and correction violates my rights under the Fair Credit Reporting Act. 

I request the CFPB 's assistance in addressing this issue and ensuring that the inaccurate information is removed from my consumer report promptly. Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

What happened? 

I received a Copy B of a XXXX form for my student loan debt, which indicates that the debt was canceled. Despite this, the debt is still being reported on my credit report as unpaid. I have attempted to resolve this issue with the creditor, but they have not updated my credit report to reflect the accurate status. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Relevant USC Codes : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information must provide accurate information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to correct and update information.

15 U.S.C. 1681i : Requirements on consumer reporting agencies for conducting a reinvestigation.

15 U.S.C. 1692e : False or misleading representations.

12 CFR Part 1022 ( Regulation V ) : Implements the FCRA.
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-01
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. (GA)

15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed!

And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to 850 if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto 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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  Account Number XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2024-06-02
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-01
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. (TN)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-01
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. (GA)

According to the fair credit reporting act 15, USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to privacy Equifax and experience our consumer reporting agencies and I the consumer I have the right to make sure my private information isnt shared Which backed by 15 USC 6 801 which states it is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer and to protect the security and confidentiality Those customers nonpublic personal information.

Furniture of information to create agencies is a financial institution by definition under that title 15 USC 1681 section 604 section 2 states that in general subject to section C, any consumer reporting agency may furnished a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates the financial institution and the consumer reporting agency do not have my consent to furnace this information and they surely do not have my written consent or XXXX any and all consent to Equifax, XXXX XXXX and XXXX whether it be verbal nonverbal written implied non-written or otherwise is revoked 15 USC 6 802 section B section C states that a financial institution may not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option never inform me of my right to exercise my nondisclosure option not only that 15 USC 1681C section a five states accept as authorized under subsection B no consumer reporting agency may make any consumer reporting 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.

This account is an adverse item. They are reporting again without my permission which is against the law 15 US code 16 812 section one a states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is in accurate 15 USC code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the proposed listed on section 1681B of this title Equifax and XXXX XXXX are not maintaining reasonable procedures also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time, Im opting out of your reporting services..