davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XXXX XXXX has a sale date on her home set for XX/XX/2015. A completed thorough investigation on the above mentioned client/ borrowers ' property with regards to requesting the true identity of the " Beneficiary '' and the true " Party of Interest '' has been done.The comprehensive title report " Chain of Title '' and/or " Foreclosure Validation '' show the following error ( s ) have occurred during the foreclosure process.The comprehensive title report " Chain of Title '' and/or " Foreclosure Validation '' show the following error ( s ) have occurred during the foreclosure process.Cal. Civ. Code 2923.5 states a notice of default recorded pursuant to Section 2924 shall include a declaration that the mortgage servicer has contacted the borrower, hast tried with due diligence to contact the borrower as required. The notice of default, document number XXXX, is invalid as the servicer did not contact the borrower in person or by telephone in order to assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. The notice of default, document number XXXX, is invalid as it had passed the 90 days before issuing the notice of trustee sale ( document number XXXX ). Furthermore, XXXX XXXX has reached out to Nationstar on numerous occasions for assistance. The inability of Nationstar to receive a simple facsimile, email, or simply maintain a file is inexcusable. Most recently, our office has repeatedly sent in information to Nationstar and they claim they did not receive the documents. By unreasonably and unnecessarily delaying the assistance request, XXXX XXXX continues to get farther and farther behind on her mortgage payments. Practically speaking, it can only be inferred that Nationstar has pushed XXXX XXXX farther into delinquency and foreclosure. The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on homes and fire selling them at auction to make a profit. It appears that Nationstars lack of participation in following CA. Civ. Codes indicate a preference to profit directly from her hardships. XXXX XXXX is XXXX and it is apparent that Nationstar has discriminated against XXXX XXXX by refusing to review her file for assistance to retain her home. At this time we are requesting that the sale date be postponed, or Nationstar and XXXX XXXX XXXX XXXX will be named as defendants District Court Complaint.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

SOMEBODY TRIED TO GET A CAPITAL ONE VENTURE CARD IN MY NAME IN DIFFERENT STATE OF ILLINOIS WITH MY INFORMATION AND WAS NOT ME. I NEED THE INQUIRY REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/year> my XXXX ended. 

On XX/XX/XXXX I reached out for the payment deferral and was approved a few weeks later. 

In XX/XX/year> Bank of America was notified that there was no need to make any payments for property taxes because I had paid them. 

Despite this Bank of America went ahead and made a payment. On XX/XX/XXXX I notified Bank of America they created an overpayment and a refund was sent to them. 

On XX/XX/year> I received a deferment letter still showing I owed property taxes. So Bank of America wants to get paid twice. 

I spoke toBank of America on XX/XX/year> and was told they indeed received the refund check. However its going to take them XXXX  days to fix their XXXX. 

When Bank of America disregarded my notification not XXXX time but twice I had paid the property taxes and weeks after being notified and given copies of receipts showing the taxes had been paid..for them to go ahead and still include those taxes in my amount due appears deliberate and bad business practices. 

Im the meantime a notice of intent to XXXX will proceed on XX/XX/XXXX.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.XXXX XXXX XXXXXXXX has violated my rights. 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 2024-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-09-01
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. (MN)

How did you complete your investigation on these accounts listed below? These accounts are not accurate. I have attached XXXX different reports reporting different information. You stated this was verified. How did you verify this information? Account is listed as an Open account on some reports and Debt Buyer on anther. How can this be in collection but yet still be open? I have circled all errors. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number XXXXXXXX XXXX  Date opened XXXX XXXX, XXXX. Account number XXXX Date opened. XX/XX/XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-05-14
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. (PA)

My name is XXXX XXXX and this is not a third party filing this. The following credit reporting agencies are reporting several inaccurate late payments on my credit report. And several inquiries that I havent approved of. Experian, XXXX and XXXX.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've always made sure to pay this account on time, never letting it become overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2024-08-19
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. (NV)

I am writing to request the deletion of inaccurate, re-inserted, and fraudulent accounts present on my consumer credit report and to bring to your attention the failure of XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX  to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to these companies to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, but these companies never responded to me with verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from these companies and these accounts was reinserted with no permissible purpose and without my consent. 

XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX  claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not remove the inaccurate account that has been furnished on my consumer file and I have never given my consent to re-insert or furnish this account. No consent is Identity Theft and I have attached evidence that XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violation. 

I demand you cease and desist pursuant to federal laws XXXX5 U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information.

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2024-05-18
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. (AL)

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 Account XXXX : 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 2024-05-18
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. (NY)

I reviewed my consumer reports and noticed that XXXX XXXX Account XXXX XXXX had late payments on an account that i was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that i have included in the screenshot inside this complaint in on the date of XX/XX/2022 And XXXX.Please investigate and provide proof with statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late.Thanks! Please see screenshot attached :
Consumer complaint received 2024-05-18
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)

I value your assistance in removing a portion of the data in my credit file that resulted from fraud. I have accounts that need to be taken out. According to FCRA Section 605, you are required to remove any records listed in an ID THEFT REPORT # XXXX. I have already included this report in a previous letter, and I am including it again. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any continued non-compliance. Please address the following : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am submitting this complaint to address the presence of fraudulent items on my credit report. Upon reviewing my updated report, I noticed that some of these items have been removed, for which I thank you. However, some fraudulent items still remain. I kindly request that the three credit bureaus remove the following fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-05-18
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)

I am submitting this complaint to address the presence of fraudulent items on my credit report. Upon reviewing my updated report, I noticed that some of these items have been removed, for which I thank you. However, some fraudulent items still remain. I kindly request that the three credit bureaus remove the following fraudulent items from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-05-18
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. (GA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-18
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)

Upon reviewing my credit report, I uncovered inaccuracies within certain sections. According to the provisions outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the three credit bureaus to validate these accounts. Failing to validate these reported accounts as unverified information, without furnishing proof within the legally stipulated timeframe, is not permissible. The accounts listed below require investigation and correction due to erroneous reporting : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$170.00} DEPTEDXXXX XXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXX Balance Owed : {$2500.00} DEPTEDXXXXXXXX XXXX Balance Owed : {$5000.00}
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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 always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.