davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-11
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX - went to XXXX to open credit card, found out there is a Bank of America credit card opened under my credit journey XX/XX/XXXX - went to Bank of America and explained situation, they searched up my SSN and could not find an account under it but the account is still showing up on my credit journey, I discovered the account is linked to someone elses name and birth year and incorrect addresses Bank of America filed a report I called XXXX XXXX XXXX they help file a report, logged down the fraud info and corrected the XXXX XXXX XXXX info and they are waiting for me to send in a pdf to confirm the info to update the system, they also referred me to file this report
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: EQUIFAX, INC. (CA)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

My backpack and the contabaments along with secure information was stolen and my wallet phone and someone was able to drain XXXX out of my account when I realized I went in bank and pulled out the rest so I would t lose it all now td bank is denying my refund of this fraudulant loss of money
Consumer complaint received 2024-04-19
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)

XXXX XXXX XXXX XXXX XXXX XXXX in XXXX NY XXXX, was auto dealership that went bankrupt and was committing fraud with people and my auto loan agreement. They are reporting information on my credit report that is illegal and inaccurate. I co-signed for a car that was repossessed and not in my name, and they are reporting different account balances and information about account on my credit report. Even late payments which is illegal 15 USC 1666b- Timing of payments.
Consumer complaint received 2023-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I have had my home for 15 years and have never been late on a payment. I typically overpay on my payment each month. I did not receive an escrow analysis that they said they mailed me on XXXX notifying me that on XXXX my monthly payment would be increasing from $ XXXX to $ XXXX. This never came to me in the mail, and I've never had issues in all the years past receiving it. I understand this might have been an issue with the post office, but nevertheless, I had no idea my payment had changed. I made my payment for XXXX in the amount of {$1400.00}. It was only to my knowledge {$1200.00} that was due, but I typically overpay to try to pay the loan off quicker. I was not aware that this payment was now short {$96.00}, because I wasn't aware the payment had been increased to {$1400.00}. Had I known, I would immediately have paid the difference. They did not return the {$1400.00} payment I made. Instead they just held it as unapplied, and when I sent my XXXX payment in for another {$1400.00}, they took the {$96.00} out of that and held the rest unapplied. Had I not had a credit monitoring service notify me of a 30 day late on my mortgage, I would have had no idea this was happening. I immediately contacted them when I was notified of the late on my credit report ( not by XXXX ), found out the issue and submitted the short amount to correct the situation. I asked them to please remove the 30 day late payment, as I had made my payment and did not realize the amount had changed ( again this has never happened before ). I submitted a dispute with them, but they stated that they called and left me a message on XXXX. When I told them I never received a message and asked what number was called, they gave me a phone number I didn't recognize and have never used. I pointed out to them that it was not my phone number ( I have had the same phone number since the loan was originated, and it even shows when I log on to my account ). They acknowledge that they did not call this number, but they refuse to remove the late payment from my credit or advise why they called this other number. It seems so obvious this is a mistake on there end, but they will not acknowledge this or remove the late payment. They could have at least returned the payment to me, so I would have known there was an issue. I have never had a late payment on my mortgage, and I did submit my mortgage payment that month. I am just looking for some help to try to rectify this situation, as this is severely affecting my XXXX XXXX, as well as a co-signer that I have on the loan with me.
Consumer complaint received 2023-12-27
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)

GAVE NOTICE ON XX/XX/2023 AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XX/XX/2023 DEMANDING COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO LATE PAYMENTS ANDAMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2. ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND
Consumer complaint received 2024-04-19
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. (IL)

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX XXXX, identified by the Account Number : XXXX.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

after reviewing my credit report, i have found numerous inaccurate names, aliases, and address do not belong to me. I want to ensure that you are onlynretaing and reporting true, current, and accurate information on my credit report per FCRA regulation and i demand, as my lawful right, for names and addresses that i have listed below must be removed immediately as they are not accurate and untrue.
Consumer complaint received 2023-12-27
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. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to follow up on my complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-27
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. (IA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

M name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-11
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. (SC)

I was a victim of identity theft once more, and I'm requesting once more to have the data arising from that identity theft removed from my credit report. Credit Bureaus are obligated to remove any goods in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than 4 business days following the receipt. Additionally, I have my questions regarding the accuracy of some of the information provided on some topics because it is UNKNOWN to me and REMOVED from other agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
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. (OH)

I am filing a complaint with the Consumer Financial Protection Bureau regarding TransUnions, XXXX 's, And XXXX XXXX failure to remove fraudulent accounts from my credit report, despite providing evidence of the fraud. These accounts were opened in my name without authorization, and despite repeated attempts to rectify the situation, TransUnion has not taken appropriate action. This situation is adversely impacting my credit score and financial well-being. I request the Consumer Financial Protection Bureaus assistance in resolving this matter promptly.
Consumer complaint received 2023-12-28
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)

Dear CFPB, I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the Equifax data breach, has been sold and purchased illegally. Despite Equifax acknowledging my status as a victim, I am facing challenges in rectifying the unauthorized accounts on my credit report. 

Equifax Incident Reference : The unauthorized accounts I am requesting to be immediately removed from my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached herewith is the evidence of Equifaxs acknowledgment of my victim status in the data breach. I am seeking your assistance in facilitating the removal of these illegitimate entries promptly to rectify the inaccuracies on my credit report. 

I have made multiple attempts to resolve this issue directly with Equifax, but unfortunately, no action has been taken to correct the discrepancies. Your intervention is crucial in ensuring the protection of my consumer rights and the accuracy of my credit information. 

Please find attached the following supporting documents : 1. Equifax acknowledgment of my victim status.

2. Any additional supporting documentation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. If further information is required, please do not hesitate to contact me at XXXX Thank you for your assistance in rectifying this serious issue. 

Sincerely, XXXX XXXX
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: EQUIFAX, INC. (NC)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters.
Consumer complaint received 2023-12-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Click n' Close, Inc. (CA)

XXXX XXXX approved and accepted a loan modification of my deceased husbands mortgage 2 years ago. Then they sold the old loan, not my new loan, to another mortgage co, XXXX. XXXX returned it to XXXX a year and a half later as they could not get updated loan documents from XXXX. XXXX is now ClicknClose who sends multiple conflicting emails on my loan, sends letters saying loan is in default, and I get calls from debt collectors. Every payment was made timely to XXXX, XXXX, and ClicknClose except this month as phone payment was refused and the check I mailed wasnt deposited. ClicknClose wants all new application documents : income, tax returns, bank statements, credit report, etc, to apply for an assumption. I provided all this and more when loan was approved in 2021. The VA officer emailed ClicknClose that my loan was a legal, binding contract that they must uphold. ClicknClose continues to request new loan documents and letters still come saying loan is in default, foreclosure imminent. Please help!
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi One out of the Three reporting agency are still adamant about keeping a record of a bankruptcy that is not mine on my credit report! I have detailed info from the agency XXXX XXXX that originally had to remove this from their data base because they found no reliable information that linked the bankruptcy to me. After multiple failed attempts to have it removed from all three agency finally XXXX did comply, but the other two Transunion and XXXX has not. Now my last resort is to use this portal to try an get Transunion, XXXX to comply to the consumer Laws.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I filed a complaint against two mortgage companies, Aurora Lending Services and Nationstar Mortgage Company ( XXXX ). The former filed foreclosure on me, even though I was current on payments and provided proof ( cashier 's checks ) that I had responded as the modification contract required. Still they filed foreclosure.
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I lost {$57000.00} in down payment money ( See complaint:XXXX ), years of paying a mortgage with a 10 % plus interest rate, and I have been fighting this matter since XXXX. In XXXX, I surrendered the property in a chapter XXXX that was approved and confirmed by the court. Years later, I discover that Nationstar filed a foreclosure on me in XXXX which is preventing me from securing a mortgage today.
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Nationstar responded to my complaint with CFPB by sending a message to a former attorney we had retained in XXXX. One problem with their response is that the attorney does not represent us. Another problem is the attorney has been debarred and has lost his license. for mortgage-related client misrepresentations.
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Please intercede and ensure that all responses are sent to me, not to the previous attorney.