davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

Your Account Dispute has been updated. 
XXXX XXXX, XXXX The dispute for the account with XXXX XXXXXXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XXXX XXXXXXXX XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX WHAT NOW? 

We'll notify you when all of your pending disputes are complete, and the results are ready. To see your most recent updates, please check your updated credit report. 


Have requested to get me the proof that this is my account? So far no Answer from XXXX XXXX or from Experian. I am shopping for a Used car and now having a tough getting a car loan approved as Experian decreased my FICO Score by XXXX points. 

Unable to write to them or call them There Calling center is closed. Always closed. 

All I get is an answer from Experian we checked and XXXX XXXX says the report is correct. So, this report stands on my Credit report, now every other XXXX XXXX XXXX XXXX and XXXX also lower my Fico scores. 

Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? 

Respectfully, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

I initiated transaction # XXXX on XX/XX/year> and sent USD XXXX to my brother in XXXX. This was not the first time I was sending money to that recipient. This time transaction was not executed, and I received email asking to call customer service and provide additional information. I called customer service the same day and was told there were some technical difficulties and that it would be resolved within XXXX business days. It was not. I called customer services again and was told that I need to provide additional information about the recipient. I did that and was told the case would be resolved within XXXX business days. It was not. I called third time and was told the case was escalated to the supervisor and would be resolved within XXXX business days. It was not. I called again and asked to cancel the transaction and to refund me. I was told the transaction was being reviewed and that it would be impossible to send a refund until the review is completed. It is XX/XX/year> now and the review is still not completed and XXXX refuses to refund me.
Consumer complaint received 2017-06-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (SC)

When this company initiated foreclosure proceedings their attorney XXXX XXXX XXXX XXXX brought to light and even requested that the deed be corrected because what they described as a scriber 's error on the registers office personnel. After reviewing and looking back through ever deed on the property back to its creation in XX/XX/XXXX I did notice the descrepency in the deed itself. But they should not be allowed to change said deed and the loan and deed should be invalidated and the company wiped this mortgage out as a business loss on their end and title said property back to me or refund every dime that has been paid to them since the loan was originated if not just for since it has been in the possession of Nationstar Mortgage LLC. The reason being that the error they are trying to have the court change is not on the part of the registers office as they imply, but instead on the closing attorneys fault ( from the original closing attorney on the loan ) to the attorneys that Nationstar also had do the closings during the modification and subsequent attempts at foreclosure. All of these parties except for myself being the home owner had pre-existing knowledge of this error in the deed and did nothing about it until the company " Nationstar Mortgage LLC '' decided to foreclose on the property. Documentation can be submitted with this complaint that shows that the original closing attorneys listed said description in every document relating to this mortgage " the mortgage, the deed, and even the title insurance '' and Nationstar when taking possession of the loan more or less the modifications it put the loan in also listed all of the inaccurate information without legally verifying the correct information was pertained in all of the documents.
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-21
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. (NY)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX -- -- UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-27
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. (SC)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$17000.00}
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)

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$800.00} Account Type : Collection Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$430.00} I am filing this complaint due to accounts on my credit report that were opened fraudulently as a result of identity theft. These accounts were added without my consent, and I am requesting their removal under FCRA Section 605 ( b ), which mandates the deletion and blocking of information resulting from identity theft.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (NC)

I submitted a complaint last XX/XX/2023 and XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (UT)

During Covid, we had a death of one of the primary owners of the house, as well as another family member in the house and sickness prevented me from working for a period of time, and we have struggled financially. We began a forbearance through Flagstar bank in XXXX. In XX/XX/XXXX they set up a Mortgage modification plan where we paid {$1700.00} a month for three months and then they would modify our loan. We fulfilled those payments, and they sent us paperwork for the modification. We had the documents notarized and sent in with our first months check for the modification. They cashed that check and then did nothing and sold our loan to XXXX mortgage with it showing XXXX in arrears and they have been unwilling to honor that loan modification and have filed a default on us. We are trying to work with a HUD counselor, and get some funding from the Utah housing assistance fund but uhaf says they will only help with XXXX and we have to come up with the other XXXX before they will help. All we wanted was to get back to paying normally but no one would help us unless we came up with XXXX or {$70000.00}. My HUD counselor said she thought the cares act allowed for a silent second in this situation because people dont have the money to pay a lump sum. We were hoping to get the promised modification flagstar sent us because the payment was {$500.00} less than the original with half the interest rate. Please any help you can offer would be incredible. Thank you so much. I have documentation for all the modification promises also.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-04-24
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 662, which 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 under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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)

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NV)

I filed a complaint against XXXX XXXX XXXX for {$290.00} and {$89.00} because they charged me for work not rendered. Of course, due to other issues I am having with NFCU surrounding overdrafts and overdraft fees, Non-sufficient funds and associated fees, Late or other fees and Bounced checks or returned payments - NFCU of course, sided with the merchant ; stating that 'no error occurred ' and reversed the credit applied to my debt card resulting in more fees. 

XXXX XXXX, Senior Investigator with the DMV 's Compliance Enforcement Division ( CED ) can confirm that Quality Auto Services charged me for services not rendered. XXXX XXXX visited XXXX XXXX XXXX and obtained copies of invoices : XXXX and XXXX and told me to take my vehicle back over to XXXX XXXX XXXX to have them put in Spark Plus and Ignition coils that were not put in there before. 

NFCU claims there was no error however the decision was implicit bias and retaliatory - NFCU did not carry out any investigation to come to that conclusion. If NFCU would have actually investigated the matter they would have concluded that I was charged for services not rendered. On XX/XX/2022, I was given invoice XXXX which showed XXXX XXXX XXXX fixing the misdemeanor error ; after the DMV investigated and concluded they charged me for services not rendered and needed to actually fix my vehicle.
Consumer complaint received 2024-05-09
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. (MA)

XXXX and Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LASTLY INCORRECT PERSONAL INFORMATION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The creditor has violated my rights under15 USC 1681sec 602 and sec. 604 ( a ) section2.
Consumer complaint received 2024-05-09
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
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: EQUIFAX, INC. (FL)

Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verity as accurate : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022.
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: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-21
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)

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 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 2023-09-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (CA)

I am a volunteer at a XXXX XXXX XXXX XXXX XXXX, and the address is a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, someone delivered paperwork visible to public, no envelope and the employees saw all my personal information including social security, address and financial issues.