davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (DC)

I need your assistance regarding this incorrect account appearing on my credit report. I'm raising this issue because it has harmed my reputation, and I need your help. Your mishandling of my credit report brought me to a difficult position ; your misreporting has damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Consumer complaint received 2024-01-09
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. (FL)

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 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 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AL)

Nationstar denied loan modification for property that was purchased XXXX XXXX with XXXX who was in process of beingsued for " preditory lending '' and filing for bankrupcy in that very month and year. 
Nation Star Mortgage eventually gained control of our mortgage from XXXX. There is a break in the chain of title of & gt ; the mortgage. MERS transferred the mortgage to Nationstar on & gt ; XXXX XXXX, XXXX, but before that on XXXX XXXX, XXXX Freddie & XXXX XXXX Mac owned the mortgage & gt ; ( please see attachment from attorney XXXX XXXX that I havesubmitted for complete information on this. ) Further, The process for " loan modification review '' lasted from XXXX XXXX XXXX, XXXX while the foreclosure process was moving along and is now is the final stages of the Judiciary process. 
I feel that Nationstar did not act in a timely manner and is not following guidelines for a fair loan modification on this property. Reason for mod denial is that the " delinquent amount due '' is too high to produce a lower mortgage when that amount has been increasing steadily as the loan mod review has taken so long. Nationstar regularly asked for documents, and then when those were in, found more documents they needed ; documents that had " timed out '' while Nationstar continued to request new documents had to be resubmitted. The process would begin again for review ; the request for additional documents would come XXXX by XXXX as the time ticked away and the " review '' could notbe completed yet! I worked diligently with Nationstar to complete the " Borrower 's Packet '' and qualify for a Loan Modification. I do n't feel that they have worked to meet my needs in a timely fashion and may not have followed the correct guidelines for a Loan Modification on my behalf. There also seems to be some illegal activity around my account, per the documentation that I have provided in an attachment from Attorney XXXX XXXX. A Sale Date is certainly immanent now on this property. Though XXXX XXXX has given me some council on this matter, he is not currently my attorney. I am working with Legal Aid of Hawaii now to hope to stop the foreclosure. Their resources only allow for Loan Modification assistance. Without immediate attention to this matter, Nationstar will likely foreclose on my property, as there was a sale date of XXXX XXXX, XXXX which was " post-phoned '' by the XXXX Commissioner while the Loan Modification Denial Appeal Review was in progress. 
My appeal for Loan Mod. Denial was denied today, XXXX XXXX, XXXX. 
I am XXXX years old. I purchased this property for my children and grandchildren. 
I would like to keep this property if at all possible. thankyou. 
.
Consumer complaint received 2024-02-01
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)

I am writing to officially contest the inaccurate and misleading details recently uncovered in my credit report. Upon receiving a notification regarding unauthorized and unverified accounts associated with my credit profile, I was dismayed to find that this credit bureau had not conducted the necessary due diligence to validate these claims. Instead, an automatic notation was added without providing any reference or supporting documentation. 

This failure to verify has significantly impacted my credit report, leading me to take legal action by filing a police report concerning these unauthorized accounts. In accordance with consumer law and regulations set forth, I insist on a thorough investigation that was not accurately conducted.

As outlined in 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the FCRA specifies procedures for contested information. Subsection ( 5 ) explicitly mandates that if, after reinvestigation, information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

I draw attention to 15 U.S. Code 1681n - Civil liability for willful noncompliance, emphasizing consequences for failing to comply with the FCRA. Any person obtaining a consumer report under false pretenses or without a permissible purpose may be liable for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

I demand that you delete all the accounts listed below immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your immediate attention is crucial. Please acknowledge receipt of this dispute and inform me of the steps being taken to rectify the inaccuracies.
Consumer complaint received 2024-08-14
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. (NC)

I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.
Consumer complaint received 2024-02-01
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. (MS)

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 Number : XXXX has violated my rights. Or 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 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Someone stole my identity and opened many accounts wihtout my permission or authority. Please check 100 percent accurate, true correct. XXXX XXXX is aware of the issue & agreed to remove the account from my credit file. Please remove.
Consumer complaint received 2024-02-01
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. (CA)

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. I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-02-01
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-10
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: EQUIFAX, INC. (CA)

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my XXXX  still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my XXXX. How can I be certain that they have thoroughly checked the inaccuracies on my XXXX What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the XXXX accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the XXXX XXXX continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-01
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. (CA)

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. I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-02-01
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)

FRCA violations not mine not my credit cards XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} XXXX Account charged off. $ XXXX XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual never late XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual not my address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 605B, this account must be taken off ASAP. I'm really upset that it's showing up on my credit record, and it's not my account. Its presence has greatly bothered me, and I feel sick about this situation.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Good day XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX Account XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help,
Consumer complaint received 2024-04-12
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a college student urgently reporting the closure of my Bank of America ( BOA ) account in XX/XX/, with no clear reason provided. Despite three months of review, the representative mentioned that BOA closed my case and sent out all the checks. However, the reality is that the majority of my funds are still under review. 
This discrepancy raises concerns about misinformation from customer service. I kindly request your intervention to expedite the return of my funds and address the misleading information provided, as it has added to my financial distress.
Consumer complaint received 2024-05-05
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. (CA)

Dear TransUnion, I am writing to request the immediate removal of several unauthorized hard inquiries from my credit report. These inquiries were not authorized by me and are the result of identity theft and fraud. The following inquiries were made without my consent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries do not reflect any legitimate activity on my part and have adversely impacted my credit score. I have taken appropriate steps to address the identity theft and have reported the fraudulent activity to the relevant authorities.

I kindly request that TransUnion take immediate action to remove these unauthorized inquiries from my credit report to ensure its accuracy and integrity. Your prompt attention to this matter is greatly appreciated.

Please feel free to contact me if you require any further information or documentation to process this request.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Complaint Reference : XXXX XXXX XXXX XXXX- This is to formally file a complaint against XXXX XXXX XXXX regarding the misrepresentation, deceptive practices, and overall dissatisfaction I have experienced with my timeshare ownership. During the initial presentation, XXXX XXXX XXXX employees assured me that they were not working on commission, providing a seemingly transparent and honest overview of the timeshare opportunity. The enticing pictures and promises of flexible vacationing convinced me to sign a contract, believing that I was making a valuable investment. Key assurances were made, including the availability of the timeshare for use at any time, providing me with the flexibility to travel anywhere under my membership. Additionally, I was led to believe that, should I be unhappy with my ownership, I could easily sell it back to the company. However, my experience with XXXX XXXX XXXX has been far from the promises made during the presentation. Contrary to the proclaimed flexibility, I have encountered significant challenges in accessing the timeshare when I am available to travel. Despite numerous attempts, I have consistently been informed of unavailability, rendering the timeshare practically unusable for me. Moreover, the commitment made regarding the option to sell back the timeshare has proven false, as my attempts to do so have been met with resistance and indifference from the company. The lack of responsiveness to my complaints further exacerbates the issue, as all attempts to address my concerns have been ignored. I must express my frustration with the lack of transparency during the contractual process. Important details, such as the cancellation process and rights, were not adequately explained to me. The rushed and pressured nature of the transaction left me uninformed about the terms and conditions of the agreement. In light of these issues, I firmly believe that XXXX XXXX XXXX engaged in unlawful deceptive sales practices, including misrepresentation, omission of crucial information, coercion, and exaggerations regarding the benefits of timeshare ownership. Given the significant discrepancies between the promises made and the reality of my experience, I am formally requesting the rescission of my contract with XXXX XXXX XXXX. I deeply regret my investment in what appears to be a deceptive and misleading scheme. I anticipate a prompt and thorough investigation into this matter, as well as a resolution that reflects the misrepresentation and dissatisfaction I have endured throughout this process.