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

The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Nationstar Mortgage properly and fairly review our loan modification request for relief. We intend to keep our home and both of us are in out XXXX 's and have many medical and health issues that have kept myself XXXX limited in employment opportunities. In fact, we were forced to lose our businesses ( XXXX ) as a result of the health related to XXXX and XXXX XXXX XXXX. In addition, Nationstar has repeatedly denied us help several times for several years although we meet all eligibility criteria. They have never offered any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX PROCESSING SOLUTIONS to illegally start foreclosure on my property. The Nationstar Mortgage and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there no reason why Nationstar should have denied our request or started foreclose on our home.
Consumer complaint received 2024-06-12
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. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account Name : XXXX XXXX XXXX  ; Account Number : XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-04
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. (PA)

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 Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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 XXXX SS XXXX Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/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 2024-01-31
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)

Recently I found some account and inquiries which I never autorize. For sure all of them are froud and must be remove from my credit report as soon as you can. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. CC : Federal Trade Commission, XXXX XXXX XXXX XXXX, Washington , DC XXXX Office of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX Advocates for Fair Credit Reporting Department of Banking and Finance
Consumer complaint received 2024-05-04
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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2024-01-31
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. (CA)

Equifax has been reporting inaccurate information on my report that I have filed multiple disputes for which they will not correct. The credit furnisher supplies inaccurate information intentionally to hurt my credit score but Equifax is ultimately the one who allows this continue even though I've submitted disputes in the past and the errors are clearly obvious on the face of the report from just looking at it. 


For example, the furnisher of information is clearly trying to " re-age '' the debt as they have stated on the report the " date of first deliquency '' constantly has been updated from XXXX then a year later changed to a date in XXXX to make it seem more recent. Both of these dates are wrong and the date of first delinquency should be XXXX. Numerous other obvious error include days late going from 30 to 90 from one month to the next and then back to 30 the next month.
Consumer complaint received 2024-05-04
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. (SC)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2024-01-31
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. (PA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
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. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-01-31
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. (AL)

XXXX XXXX XXXX XXXX has been posting late payments to my consumer report I have tried to dispute this information for months and many disputes. it's against the law to report credit transactions on a consumer report. According to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Exclusions it states report contains information solely as transactions or experiences between the consumer and the person making the report ; Reporting transactions is illegal.
Consumer complaint received 2024-02-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (VA)

XXXX The total purchase was something. Around {$240.00} and the cashier said she wants to give me 10 % off and I need to get the credit card. I told her that no, I dont want a new credit card because I already have a couple and I dont want my credit to be run. The cashier replied that she wont run my credit and I need to put a wrong SSN so the system will avoid running my credit and she still can give me 10 % off. I made sure by asking again and she replied again with the same certainty that my credit will not be run. Now Im seeing through my bank application credit score tab that my credit was run. This is fraud and I dont want any credit card. I even told the cashier that its ok I dont want 10 % off because it wont be much but just {$23.00}. She said she will give me 20 % but now Im Looking at the receipt, she didnt even give me that as well.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC. (IN)

I have been the victim of identity theft since before the age of XXXX XXXX XXXX as I had my social security card stolen when I was just XXXX years of age back in XXXX. Over the years I have had several cell phone, credit card, bank, and utility accounts opened in my name without my knowledge or permission. I filed a police report with the Normal Police Department in Normal, Illinois back in XXXX to report that a fraudulent credit card account had been opened in my name with the company SoFi Bank, N.A back on XX/XX/XXXX. I have disputed the account with all three credit reporting agencies since making the discovery back in XX/XX/XXXX and every time, SoFi has responded saying that the account has been verified as accurate and was not the result of fraud and they refuse to cease collection on the account and to stop reporting the fraudulent account to the credit bureaus and have marked the account as a charge off and referred the account to a third party debt collector named " XXXX XXXX XXXX '' which is ultimately damaging my credit history. They have stated that they never received the police report that I have filed in my complaint through the XXXX, however, it has been forwarded to them by the credit reporting agencies with each dispute that I have done since noticing the account on my credit file. This is my last resort before seeking legal action against this company.
Consumer complaint received 2024-05-04
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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-01-29
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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-05-04
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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

My credit report indicates a new account from a company called " portfolio recovery '' at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA. I was not contacted by either writing or other means. The company has not initiated any contact with me. I am disputing this account/collection simply because I do not recognize this account nor do I have any previous knowledge of it. I am demanding the collection agency to provide me with proof and validation that this debt is mine. I am asking to supply Portfolio Recovery to supply information to validate. If Portfolio Recovery can not validate this debt, than this account needs to be removed immediately.This collection appears to be in violation of the 15 USC Code 1681B, Permissible Purpose.
Consumer complaint received 2023-08-27
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2023-12-06
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. (NC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2022-01-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (NM)

wanted to buy a home listed by a realtor, XXXX XXXX listed in XXXX with the greater XXXX  Board of realtors, ( attached ) for XXXX $ and it was advertised that " Seller is willing to do a wrap in this beautiful home... .home is a minor fixer-upper, windows need some scrubbing because of sprinkler water, -- a handy- man special. '' I wanted to buy the home and then help my daughter buy the home from me, as she was a single mom self employed with 4 kids and one with a XXXX and they needed a home. We were told at the title company that my daughter can buy the home directly from the XXXX 's sellers. 
Both sellers and I and my daughter, purchasers, went to a title company the sellers had work previously in a transaction we were told " did not go through '' because the buyers did not qualify.My daughter lives at XXXX XXXX XXXX XXXX XXXX NMXXXX  Nationstar attorneys XXXX and XXXX are still trying to foreclose us in a case fromXXXX! and not settle even in light of the new federal legislation to workout with homeowners. We have lived and payed the house since XXXX. Bought it for XXXX " a handyman special ) and appraised at XXXX with XXXX title insurance. At filing of the lis pendens, in XXXX the house was valued at XXXX for a XXXX 3 bedroom 2 bath house 25 years old, there was a foreclosure sold ( superior property, 4 bedrooms ) down the street for XXXX in XXXX. The owners, XXXX XXXX and XXXX XXXX XXXX have put over XXXX in repairs and plumbing and roof repairs are underway. 
Nationstar bank and " assignees '' ( XXXX ) Bank is attempting to foreclose on a default judgment they could not recuperate anymore from mortgagors on a loan that is not on record prior the land contract The bank is not even waiting for the judge 's decision on the judicial foreclosure ( we paid almost 50 % of the home cash ) but already sent the home to a company called XXXX ( " assignees? " to work with realtors selling it from under us ) We went to a workout that the bank walked off from after us fulfilling all the requirements for a workout, including a condition that was met with delay from the mortgagors ( quit claim deed in my daughter 's name ) which was beyond our control XXXX did not do good on the settlement despite us going to the settlement ( we were offered prior, the house or the money, we told our attorneys, the house ) XXXX has deposited cash in a trust account which has been deposited in court ( around XXXX as far as we know ) I include a couple of checks but the trust company has to do a 3 way reconciliation and provide the authorities the audit results and some money has been retained by. the suing bank, nationstar. WE paid taxes and home insurance. We are told the land contract has been paid in full.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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.