davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

On XX/XX/2023, I file letters to XXXX, XXXX, and XXXX To remove bad information from my credit report within 30 days I received letters back that the information that they had was verified by LexisNexis. LexisNexis has no right to this information. On Letters XX/XX/2023, I sent out letters to Lexis Nexis to remove my personal formation from their systems. Because they have violated upon my consumer rights to privacy. 15 USC 1681 ( a ) ( 4 ) Violation Upon a Consumers right to privacy. CCPA Rights Right, to Limit the Use or Disclosure of Sensitive Personal Information You have the right to limit the use or disclosure of your sensitive personal information. Sensitive personal information may include but is not limited to information such as your social security number, drivers license number, state identification card, passport number, financial account information, or precise geolocation. A request to limit the use or disclosure of your sensitive personal information will prohibit your sensitive personal information from being used or disclosed except for certain uses provided by law, including but not limited to : Detect security incidents, resist malicious, deceptive, fraudulent, or illegal actions, and to help prosecute those responsible for such actions.
Consumer complaint received 2023-11-10
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (SC)

This bank has extended several lines of credit to me as a primary or authorized user that was subsequently lowered or revoked in a short amount of time. While this is an allowable practice, I believe this bank abuses the privilege. This practice of Synchrony Bank is akin to predatory lending : it falsely creates a sense of predictable security of economic leverage and, despite good faith practices on the part of the consumer with limited means, closes the account with notice after the fact, damaging the credit rating for no other reason but risk management. This has sent us into a scramble with our household budget. I daresay if this practice were directed to my mother by XXXX XXXX in the XXXX I would not have the education today to write this complaint. Consider the following facts : Note that no late payments were made to any of these credit cards. Belk XXXX XXXX extended XX/XX/XXXX at {$800.00}. Limit reduced to {$370.00} on XX/XX/XXXX. XXXX XXXX XXXX extended XX/XX/XXXX, at {$500.00}. Limit reduced to {$250.00} on XX/XX/XXXX, and account closed on XX/XX/XXXX. XXXX XXXX XXXX extended XX/XX/XXXX, at {$200.00}. Account closed on XX/XX/XXXX. I am curious how many other families have been injured by this practice. Please help.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX XXXX sold my loan to XXXX on XX/XX/year>. XXXXXXXX XXXX officially took over the loan XX/XX/year>. During the transfer period, XXXX XXXX declared that I missed my XXXX ( XX/XX/year> ) mortgage payment ( even though they have record of my payment ) because they increased the amount due in escrow, and my automatic payment was for a lesser total amount. 

During the XXXX transfer of my loan, I was not able to pay XXXX XXXX the XXXX owed to escrow to supplement my XXXX payment. I also did not have an ability to pay XXXX as they had not set up my loan yet, it was still pending ( XX/XX/year> ). I was not told when the transfer to XXXX would complete. I was told not to do anything about this supplemental escrow amount by the customer service reps at XXXX XXXX as they said it would all work itself out in the transfer process and that it would not affect my credit. 

I wish to dispute this claim that I missed my XXXX payment, as I have record it was paid but not applied, and I had no mechanism to supplement the additional escrow. I can not dispute this claim however. 

When I call all of the phone numbers listed online for XXXX XXXX customer service, I get the same automated recording that asks me to give either my SSN or my Loan #, both of which result with the same response : " Your loan has been transferred to another lender, contact them. Goodbye. '' I can not get anyone on the phone to dispute this charge. I believe I, as a previous client of this lender, should be able to speak to someone to clarify this issue. I believe they are acting in bad faith with their lack of response to me to clarify a nuanced issue and the result is adversely affecting my credit report with lending agencies.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-04
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo was my mortgage servicer. 
My job was shipped overseas and I requested from WF a loan modification. 
They offered me a " Special Forbearance '' which would have set me up for failure. 
At the end of 12 months a balloon payment for the 12 month reduction would be due along with the regular monthly loan payment. 
This offer was made to me AFTER I filed a complaint with the State of Texas Attorney General. 
I was forced to sell the property in order to avoid a foreclosure on my credit history. 
A simple loan modification would have sufficed had they just worked with me and I wouldn't be struggling with this escalating rent. 
I am seeking a settlement payment from their refusal to offer me reasonable accommodations for a loan modification.
Consumer complaint received 2023-09-20
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. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-05
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-06-06
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)

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. 
The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

I would like to bring your attention to the following errors : XXXX - XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX  XXXX XXXX.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX filed a hard inquiry on my credit report ( unauthorized ) they did this on XX/XX/XXXX. Thing is that acct shows never missed payment and last payment paid on XX/XX/XXXX acct closed XX/XX/XXXX. I have n't applied for any credit, or anything that a company would need my credit info.I 'm not understanding this. thank you for your time.
Consumer complaint received 2023-03-10
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC. (AZ)

I have sent a letter certified as the fraudulent contract was never validated. You are attempting to ruin my reputation with a contract that isnt enforceable. The contact never had a meeting of the minds or proper consideration. Before they could ruin my credit they would have to arbitrate with me per their clause ( Which is invalid ). They ignored my request and continue to call my business phone ( calls is down below ) I have expressed in the letter that was delivered to your office on XXXX XXXX ( letter will be attached ) that all communication should be in writing. They ignored my letter. This violates Fdcpa, Tila, Tcpa, FTC, contract law ( UCC ), registration act, securities exchange act of 1933, G.A.A.P violations and more. The letter stated that your company couldnt harm my credit until validating my offer to perform under conditions precedent. This is my last attempt to come with an agreement. I will go seek damages if this company chooses not to act. I will continue to stay in honor to the laws of the land. Your company is in violation.
Consumer complaint received 2024-06-06
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)

I am writing to bring to your attention an urgent matter regarding a co-signed account with XXXX XXXX at XXXX XXXX XXXX on XXXX XXXX XXXX I co-signed a XXXX vehicle for an amount of {$10000.00}. Unfortunately, XXXX XXXX failed to make payments promptly, leading to the account negatively impacting my credit report. 

Despite taking legal action and her mother eventually making the final payment, the account remains on my credit report, affecting my financial standing. I hereby request the immediate removal of this account from the credit report to ensure fair credit reporting. 

Furthermore, I request a refund of the total amount of {$10000.00}, as the financial distress caused by this situation has been significant. I urge you to consider the circumstances and take prompt action to address this matter at your earliest convenience. 

Thank you for your attention to this urgent request
Consumer complaint received 2024-07-13
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered it:XXXX Total fraudulent amount : {$220.00} Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Consumer complaint received 2022-11-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX Is my file the lender and XXXX XXXX fix the verbiage after you contacted them my credit score was returned back XXXX points they dropped in XXXX  day to XXXX then a week later Bof A again in retaliation sent letter in XX/XX/XXXX and dropped my score XXXX points the notice that resolved said I met the requirements to fix score and a week later that victimized me again
Consumer complaint received 2024-06-05
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)

Creditor : XXXX XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Consumer complaint received 2024-06-06
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. (CA)

This is my multiple request to delete this account in my credit report that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Balance {$12000.00}
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Goldman Asset Services, INC (NJ)

I pay Mr XXXX to do a Chapter XXXX to save my house he file the forms but never kept up on bringing in documents which was require for to do so and on top of it all he never told me and didn't show up nor did he have someone to stand in and I loss my house. the last thing we talked about if I going to loss my house he said no, instead of him doing what he was payed for that was he show up or have someone to replace him. Now I loss my house I sleep in my car I eat whatever it's in the street. Please I need help I want him to pay me what my house was worth so I can get another one
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Working on submitting dispute issue with TransUnion credit reporting company. 
This account was Legally paid in full for less than the full balance several years ago through XXXX XXXX. 
On XXXX/XXXX/16 I submitted a consumer credit complaint but the issue was only corrected with the XXXX Credit Reporting Agency still showing on my XXXX & TransUnion Credit Reports.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. (NJ)

The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX 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 2024-06-04
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)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2024-06-06
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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-09-15
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)

In accordance with the fair Credit Reporting Act XXXX account # XXXX below have violated my rights. 

XXXX XXXX # XXXX, DEPTEDXXXXXXXX # XXXX ( balance {$7700.00} ), DEPTEDXXXX # XXXX ( balance {$22000.00} ) 15 USC 1681 Section 602 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.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I was a homeowner with a loan originating with XXXX mortgage. I requested a HAMP modification and was delayed for two years. Then my mortgage servicer was transfered Nationstar who then informed me that XXXX never offically modified my mortgage. After a year of going through the loss mitigation dept ment if Nationstar they foreclosed and took my home on XXXX 2014. I received settlement papers from XXXX mishandling but because my mortgage was transfered to nationstar I am not elegible to receive forclosure benefirs under category XXXX of the settlement. I want XXXX and Nationstar held accountable for the improper transfer of all these mortgages and subsequent foreclosures resulting from XXXX delay and Nationstar inability to honor XXXX hamp modifications due to the passage of time and accumulated balances.