davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Here 's a draft dispute letter to the CFPB stating you are a victim of identity theft due to an unauthorized XXXX XXXX card account on your credit report, including relevant laws : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] Consumer Financial Protection Bureau Consumer Response Center XXXX XXXX XXXX XXXXXXXX, VA XXXX Re : Dispute of Unauthorized XXXX XXXX Account - Victim of Identity Theft Dear Sir or Madam : I am writing to dispute an unauthorized trade line that has appeared on my credit report from all three major credit bureaus ( XXXX, Equifax, and XXXX ) for an account with XXXX XXXX XXXX XXXX. I am a victim of identity theft, and this inaccurate entry is a result of fraudulent activity for which I am in no way responsible. 

I have never opened or authorized any credit card or account with XXXX XXXX. This derogatory trade line is completely illegitimate and erroneous. Its presence on my credit report is clear evidence that my personal identifying information has been compromised and used criminally without my consent to open this account fraudulently. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumer reporting agencies must block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, initiate reasonable procedures to prevent re-insertion of the item, and notify the furnisher of the information within 5 days.

Additionally, 15 U.S.C. 1681e ( b ) requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy of credit report information. The presence of this fraudulent XXXX XXXX account blatantly violates these FCRA provisions. 

As an identity theft victim, XXXX XXXX account has already caused me significant financial hardship, distress, and damage to my credit standing through no fault of my own. I am demanding that you promptly investigate this issue, block the unauthorized XXXX XXXX account as resulting from identity theft per FCRA requirements, and remove it permanently from my credit report to allow me to begin repairing my credit. 

Please provide me with the written results of your investigation and actions taken within 4 business days as is mandated for identity theft disputes under the FCRA. Failure to remove this fraudulent item expediently will leave me no choice but to pursue all legal remedies available to me as a consumer victim, including statutory damages. 

Enclosed are copies of my credit reports highlighting the unauthorized XXXX XXXX account, as well as a copy of my identity theft affidavit. I am counting on your agency to enforce my rights and clear my credit report of any criminally fraudulent entries.
Consumer complaint received 2023-09-07
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. (MO)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

There is identity theft occurring on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX - XXXX XXXX  Account Number : XXXX Reason : Identity Theft
Consumer complaint received 2023-12-18
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 formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

my name is XXXX XXXX, my passport number is XXXX, my phones dad number is XXXX, Im from XXXX XXXX open an account in bank of america in XXXX when i was in the XXXX, the account number is XXXX, in XX/XX/XXXX, the bank of america decided to close my account ( they must have their reasons ), the problem is that they sent a check to my adress but I have never receive it, cause I returned to my country at that time so I traveled to the US again a couple of times for vacations but I tried to request my money to bank of america, and they told me that the check is not available cause somebody, not me, had already cashed the check, I went to my branch-where I open my account, an executive called XXXX filled a request in their system and gave me this number of that request XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

in this moment, for me, the bank of america has robbed me about XXXX XXXX it was almost the ammount that i had in my account balance qhen they closed my account. 
I hope that consumer finance could help me in this case, the bank of amerika robbed me cause I am a XXXX 

thanks in advance, i am not a XXXX  XXXX speaker, if you want to contact me, I would prefer XXXX.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

per 15 USC 1666b These account ( s ) are harassing me and holding me in bondage bu breaking 15 USC 1666b. By doing this I have not been able to utilize my credit based on the manipulation of the consumer report. HOLD these companies to the fire and Update the consumer report to show NO LATE PAYMENTS.
Consumer complaint received 2024-04-24
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. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to fix my credit with this company for a few months now. This bureau has the most errors of the top three and my score is over a XXXX points lower than the other XXXX to buy a home. XXXX XXXX, TransUnion XXXX and XXXX XXXX. 

These errors and incorrect information posted on my account is hurting my life and making it difficult to even buy a home for my family. I have submitted several disputes and most to no avail. 

I need help in removing this information. I think some was because my data was breached at XXXX and scammers got my personal information. Please help me get this incorrect information off my report so I can buy a home.
Consumer complaint received 2023-09-03
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. (PA)

I XXXX XXXX reviewed my Transunion Credit report and noticed some unauthorized inquiries. I have attached supporting documentation below. 

XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX VAXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I received a notice to foreclose on my home due to non-payment. After researching my account I noticed that {$6100.00} of payment has not been applied to my account. I don't know what game they are playing. I feel like they are trying to lie and take my home from me fraudulently.
Consumer complaint received 2024-01-12
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2016-11-09
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Nationstar is my mortgage lender. I applied for a XXXX cash out refi to make repairs on my home. The purpose of the loan is to purchase or refinance. I need the equity out of the loan to make the repairs. that is the purpose of the loan. I have an FHA loan insured by HUD. I meet standard credit guidelines. I am gainfully employed. I have live in the home 17 years. I need a new roof and a new garage and painting upgrades to the bathrooms and kitchen also repair bathroom leaks that have caused damage. the roof is dilapidated and in serious need of repairs. the garage door is in serious need of repairs as well. I need to do upgrades in the bathroom and kitchen and repairs bathroom leaks that have caused damage. the Appraiser lied on the appraisal. she took picture of the garage and said they was the attic. She did not look at the attic. that was not true I was standing there in the garage when she took the picture. She did not make comparable comparisons to my home. Nationstar wants me to make the repairs then the will do the loan. But that is illogical. once I make the repairs I wo n't need the loan. I do not have enough money to make such substantial repairs at once and the need to be done immediately. They are not following FHA guidelines. The FHA is backing a loan on a substandard home and will not give proper resolution on the property. 
this is the statement I was sent from nationstar about the loan. 

" After receiving your appraisal and sending it to the Underwriter for review, we ca n't move forward with your refinance until the following items are repaired : '' 1. ) Have a properly functioning garage door 2. ) All peeling/chipping paint sealed 3. ) Pass a roof inspection 4. ) Pass an inspection for damage to the areas where water had leaked to lower, level ceiling and cost to cure the ceiling by a licensed contractor 5. ) A barrier constructed to prevent any safety issues for the storm drainage ditch This exactly the reason for the loan. To make the repairs.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc. (IL)

Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose.
Consumer complaint received 2024-04-24
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-04-25
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)

Recently I look at my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Equifax Impact Receivables Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I have called Equifax and they informed me I have to make a complain threw CFPB to get them removed so this is the action I'm taken
Consumer complaint received 2023-11-03
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)

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 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I received a letter dated " XX/XX/2023 '' from " EQUIFAX '' providing a " verification code ''. 

However, the website stated in the letter was/is a non-working malfunctioning website. Therefore, yet again I was unable to implement a fraud alert. 

I called their specified phone number and yet again the lengthy recording stated that they were closed.
Consumer complaint received 2023-09-27
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 refuse to accept your decision to reject my identity theft claim. Who are you to determine whether I have been a victim or not? You lack any authority or legal standing to make such a declaration. If you persist in denying my claim, I will engage my attorney to pursue a legal solution. It's important to note that my identity theft claim is in full compliance with the law. I have submitted an official report to a federal agency, as required by legal procedures. Let 's work together to resolve this matter within the mandated 5-day timeframe. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Please find below the details of the fraudulent account : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete this account ASAP.
Consumer complaint received 2023-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I recently completed the SAVE plan application which said my payments would be {$420.00}. The application was acknowledged by Nelnet and stated it was in process. Recently I was alerted via Nelnets online portal that my payment would be {$520.00}, which I cant afford and wasnt what the SAVE plan stated which Ive been planning for. This seems unfair and deceptive and contrary to XXXX.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, safeguards my consumer rights to privacy and confidentiality. This has been breached by the accounts listed below, including XXXX XXXX account number XXXX. Specifically, 15 U.S.C. 1681 Section 602 A highlights my right to privacy. Additionally, Section A, Subsection 2 of 15 U.S.C. 1681 states that a consumer reporting agency can not release an account without my explicit written permission. Moreover, 15 U.S.C. 1681c ( A ) ( 5 ) prohibits consumer reporting agencies from including in a consumer report any adverse information, except for criminal convictions, that predates the report by over seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is mandated that no person should provide information about a consumer to a consumer reporting agency if they know or have reason to believe that the information is false.
Consumer complaint received 2024-04-25
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)

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-04-25
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. 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. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-11-03
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)

The lease is for an XXXX and issue is at end of lease last payment of {$310.00}. At the end of the 36 month lease I turned the car to XXXX XXXX  XXXX XXXX XXXX XXXX is also a XXXX dealer. On XX/XX/XXXX XXXX XXXX sent the last payment for XXXX XXXX XXXX for my last month lease paymentto XXXX. XXXX case check was cashed on XX/XX/XXXX by XXXX. On XX/XX/XXXX my lease paymnet was sent to XXXX because it was on auto pay so the payment also went thru. Therefore the last payment was paid twice but XXXX does not show both payments received. Since then I have spoken to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to have them look for the XXXX last payments ( that means XXXX extra payment was sent to XXXX ). No matter how many times I sent a copy of both checks, XXXX did not find it and finally sent me to a collection agency. 

XXXX collection agencies have contacted me on this alledged debt. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( I understand that is illegal for XXXX companies collecting on the same debt. 

XXXX XXXX XXXX I have sent them the copies of both check via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX the only thing I get back from them is a copy of the lease and a statement that shows XXXX balance due yet they still want to collect {$310.00} My credit score is being affected because XXXX is showimg me as over 24 months late.