davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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. (IN)

Bureaus using computer credit system that unfairly lowers credit scores for credit card usage for XXXX consumers and/or showing extreme prejudice. On XX/XX/2024, I made XXXX purchases for {$290.00} and {$94.00} and paid off {$150.00} in credit card debt. My score was unjustifiably was lowered by XXXX XXXX by Equifax Credit Bureau any XXXXXXXX XXXX by XXXX according to XXXX XXXX. On random months, I make the same {$150.00} payment and my XXXX XXXX XXXX by XXXXXXXX XXXX This month AGAIN I DECREASED my debt THE SAME AMOUNT ( {$150.00} ) then added the {$580.00} BUT my score XXXX XXXX XXXX XXXX XXXX. HOW IS THAT POSSIBLE?! The live agents continue to say scores are calculated by AI. This is further proof there is a program set up to keep CERTAIN Consumers from having lower interest rates and from being offered certain advantages that will help them save money on every day purchases and living expenses! 

I've had perfect credit for a long time. I have a XXXX XXXX payment history. My scores in both credit bureaus have been XXXX XXXX  The XXXX time I use my credit card for an estimated {$430.00} purchase, my XXXX XXXX XXXX XXXX XXXX!!! Something is DEFINITELY WRONG with this picture!!!! 

Also, I have XXXX accounts listed XXXX and XXXX times that has contributed to my debt ratio increasing moore than {$3000.00}. This is XXXX!!!!
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (GA)

In XXXX XXXX XXXX, I reached out to Equifax by phone informing them of a fraudulent inquiry on my credit report. Equifax informed me that I needed to reach out to the company reporting the information in order to have it removed. I notified XXXX XXXX of the fraudulent inquiry listed on my credit report and this resulted in a investigation. After the finding that this was a fraudulent inquiry, they notified me by mail that the inquiry would be removed. This letter was sent to me over 30 days ago and the inquiry has still not been removed from my report.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MA)

need clarification as to why you are reporting certain information on my credit report. Please review the following YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

I have also NOT received a 1099-C even though I have asked for one multiple times. Yet you marked this account as a WRITE OFF on my credit reports PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2024-06-18
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)

XXXX XXXX Auto Finance XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX **Subject : Dispute of Unauthorized Credit Inquiry** Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXX XXXX XXXX XXXX  via a dealer . The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

**Details of the Unauthorized Inquiry : ** - **Date of Inquiry : ** XX/XX/2024 - **Name of Creditor : ** XXXX XXXX XXXX XXXX via Dealer - **My Full Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I XXXX request XXXX you : XXXX. Investigate this matter and provide documentation proving that I authorized this inquiry. 
XXXX. If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
XXXX. Provide written confirmation of the removal of this inquiry and any correction made to my credit report. 

Enclosed with this letter, I have included a copy of my credit report highlighting the disputed inquiry, and a copy of my identification. 

I appreciate your prompt attention to this matter and look forward to receiving a response within 30 days of your receipt of this letter. Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX. 

Thank you for your cooperation, integrity, and diligence. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of Credit Report, Copy of ID ]
Consumer complaint received 2023-12-28
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. (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 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.
Consumer complaint received 2024-05-20
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2015-04-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

THIS IS NOT A DUPLICATE COMPLAINT.THIS IS A NEW COMPLAINT THE XXXX ISSUE WAS RESOLVED.NOW ITS STARTING ALL OVER AGAIN.PLEASE HELP ME WITH THIS ISSUE .READ MY COMPLAINT, IT IS A SAME PROBLEM THAT WAS RESOLVED BUT NOW IS STARTED TO HAPPEN ALL OVER AGAIN.MY XXXX COMPLAINT OF THIS ISSUE WAS RESOLVED YOU ARE NO LONGER WORKING ON IT.I FILED ANOTHER COMPLAINT ( case # XXXX ) ON XX/XX/XXXX YOU REPLIED SAYING ITS A DUPLICATE COMPLAINT AND YOUR WORKING ON IT.THATS NOT THE CASE ITS NOT A DUPLICATE ITS THE SAME ISSUE OF A EARLIER RESOLVED COMPLAINT.The XXXX was on XX/XX/XXXX you sent my complaint to the mortgage company and they responded.The isssue was resolved for one month and now its back to the same problem.The mortgage company sent me a letter showing they are working on correcting the problem and if i have any further issues i should contact XXXX XXXX a customer relations specialist at XXXX.Let me say XXXX of all their automated phone system does not give an option to connect to a live person unless you try almost every promt on the system.When i am finally connected with a live customer service person they are unable to resolve my problem and proceed to transfer my call to a specialist which never pick up the call.Their main customer service XXXX is outsourced to who knows where.The specialist are in Texas.Whats the point of outsourcing the customer service line if they do n't have the ablity to resolve the problems of the customer.Well my problem accured again on my XXXX mortgage payment, i over payed like always and wanted some of the overpayment applied to the escrow and some applied to the principal.They ignored my wishes and applied it all to principal.XXXX i called the auto mated customer service line to resolve this and after XXXX of going threw the promts to finally get a live person they were unable to help me and transferred my call to a specialist, who never picked up but i left a voice mail.Then i pulled out the letters from my XXXX time i filed a complaint and i called XXXX XXXX dircet at XXXX she never answered so i left a voice message.She never returned my call so i called again and again and again only to get her voice mail every single time.I left XXXX voice mail messages out of XXXX calls to her over a 5 day period and NOT XXXX CALL WAS RETURNED.It is unexcusable how i have to continue to call and call and call and file complaints over something so simple.Just apply the money the way the customers want it applied, your own statements give us the option of doing that but yet when we use that option were ignored.My XXXX payment was to be applied as {$23.00} to escrow and {$80.00} towards principle.Thats how the payment slip was clearly marked.Like i said this is my XXXX complaint for the same problem.
Consumer complaint received 2024-05-20
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. (NC)

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, GA XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance : {$410.00}
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I submitted a form requesting acknowledgement within 5 days and response and proof of who is the legal trustee of my mortgage to Nationstar Mortgage, they finally submitted a letter with a forged and falsified balloon note on XXXX XXXX, when the request was sent on XXXX XXXX. They claim only XXXX holds the note, when I sent an email to the company it came back non deliverable. XXXX XXXX claims they hold the note but can not figure out how to reach them as when I call the company my s.s. does not come up. I have also tried to get a loan modification and they have said I did not send in the paperwork when I did and XXXX went to the bankruptcy court to dismiss my case when they have no proof of holding and certificate or note to foreclose without offering me any assistance to catch up. We had to make them an offer but I never signed any paperwork nor did the bankruptcy judge.
Consumer complaint received 2024-05-20
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 have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-12-28
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. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit 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 XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-20
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. (TX)

This is my repeated attempt to inform the XXXX credit bureaus that I am an identity theft victim and that certain data in my document appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Please take down any information that appears to be related to extortion or fraud from my credit record, assuming that this is of no concern to anyone. 
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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing because I have an auto car loan with Capital One auto Finance. I have paid this car since XXXX. During the pandemeic they agreed to put all the past due payments to the end of the loan not interest was removed. The car was just reposossed. I need my vehicle back. I want to pay it but I am going through financial hardship. They just came and took the vehicle. They say I owe the car 105 days. They vehicle is paid ahead of time.
Consumer complaint received 2024-05-20
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. (MI)

I am writing to dispute certain information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681 and FCRA Section 605B. After reviewing my credit report, I have found discrepancies that need to be addressed promptly.

Upon thorough examination, it has come to my attention that certain information on my credit report has been provided or obtained without my explicit written consent. According to the FCRA Section 605B, no consumer reporting agency may furnish a consumer report containing certain personal information unless the consumer has provided written consent.

I wish to emphasize that I have never provided written consent for the furnishing or obtaining of my personal information by your agency. Therefore, any information obtained or reported without my explicit written consent is in direct violation of the FCRA.

I kindly request that you investigate this matter promptly and remove any information on my credit report that has been provided or obtained without my written consent, as required by law. Additionally, I request that you provide me with a written explanation of the actions taken to rectify this issue.

Please be advised that I reserve all rights under the FCRA and any other applicable laws to seek remedies for any violations of my rights as a consumer. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

* ITEMS THAT WERE SHARED WITHOUT MY WRITTEN CONSENT THAT I DEMAND BE REMOVED 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 2024-05-20
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. (NY)

This is XXXX of my many attempts to inform the XXXX credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-05-20
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. (AZ)

I am following up on the recent investigation. I disagree with your findings and seek complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information on my report. As a result, I am requesting additional information regarding these specific accounts in question : XXXX XXXXXXXX Balance Owed : {$250.00} & XXXX XXXXXXXX Balance Owed : {$340.00}. Again, in accordance with the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the individuals contacted. You have fifteen ( 15 ) days from the receipt of this letter, as stipulated under 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this period constitutes non-verification, and the items must be promptly updated as per Section 1681i ( a ).
Consumer complaint received 2024-05-20
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)

This was my follow up to my previous complaint regarding my request to remove the remaining items from my credit reports. Once again, I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft however there were still ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous complaint & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XX/XX/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 AZ XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$450.00} -- -- -- XXXX -- -- -- XXXXTRANSUNION : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$450.00}
Consumer complaint received 2023-09-15
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$8100.00}