davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (NY)

My name is 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 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 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a natural person ; I am a living human being. I have rights under 15 USC 1681. Transuion is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and did not give Transunion written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (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.

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 XXXX 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 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I co signed with primary borrower for a loan I have no access to the loan no sign on information has been provided no statements nothing has been given to me I used the primary signers information to sign in and the loan has been merged with another loan... .I NEVER AGREED to sign for this amount see attached letters and screen shots
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgag e Company recei ved paperwork including a divorce decree and quit claim deed in  XXXX  stating that my name was to be removed from the title and mortgage but they failed to do so  Currently, my ex-wife was 21 days late on a payment (   XXXX   XXXX  ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the  XXXX  payment and carried over a late balance all the way into  XXXX  even though she 'd never been more than 30 days late sending them payment They are now fili ng 30 a nd 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of  XXXX
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Date XXXX XXXX 2017 My jumbo mortgage is now being serviced by Nationstar Mortgage, who bought it from the former service. My mortgage payment is typically debited from our joint checking account on the first of the month. <P/>My husband called Nationstar several times this month to ask whether it would be drawing the XXXX 2017 payment from our account or whether we should send a check, and was told ( variously ) that we " would be getting a welcome package, '' " to wait a few days '' and that Nationstar " could not speak to him about a house in my name. '' He finally asked me to call. <P/>I called today and spoke to " XXXX. '' I wanted to make the XXXX payment, had " no loan number yet '' and that I should n't worry about the XXXX payment because I would not be charged a " service fee for 60 days if I were late. '' I was furious as I am a former loan officer and knew that a late mortgage payment would affect my credit score. I asked for a supervisor and told her I did n't care about avoiding a late fee, I wanted to pay my mortgage. At that point, I was told " that the line was being recorded, '' at which point I told her to give me someone who could resolve the issue because I was going to the CFPB and the Texas Attorney General. I was stunned that she was urging me to stop worrying about paying my mortgage for " 60 days. '' That is when she gave me the loan number. <P/>What is happening here is obvious. Nationstar lies to customers in hopes of collecting fees from the mortgage holder for collections. This company needs to be closed down, as I have never heard so many lies in such a short period of time. They do not deserve the fiduciary responsibility associated with servicing the largest investment most families will make in a life time. <P/>I can not imagine how it would be to call Nationstar with a problem
Consumer complaint received 2024-04-11
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. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected.

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
Consumer complaint received 2024-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Adler Wallach & Associates, Inc. (HI)

I have contacted AWA collections to attempt to resolve the debt and the representative was unwilling to work with me. On multiple times I called and left a message and got no answer.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

Consumer Financial Protection Bureau Case # XXXX I recently made a compliant about Discover Financial Services attempting to collect on a alleged debt from me the consumer when I asked for a copy the contract with my wet ink signature I received a letter stating Please Understand due to the age of the applications copy is no longer available to provide. 

If there is no copy or proof of a application or contract on file how can Discover Financial Services continue to violated my rights as a consumer. NO CONTRACT NO OBLIGATION TO PREFORM. 

15 USC 1681 15 USC 1692
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2017-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I sent an application in XX/XX/XXXX to apply for a loan discharge request application because I didnt have XXXX when I went to XXXX XXXX in XX/XX/XXXX. While they investigated it they put the loan in forbearance until XX/XX/XXXX and I have a letter stating that. In XXXX, I went online to reset up autopay payments because it got denied for discharge because they said I took an aptitude test that is equivalent to XXXX. In XXXX, online account with Navient said XXXX balance due loan paid off by XXXX. I called and they said the loan was sold XX/XX/XXXX to XXXX. I went round and round with both Navient and XXXX and now we got a letter in XXXX saying wages would be garnished so I called again. XXXX that has loan now says they bought loan, information they have is what they got, and unless Navient says otherwise they will garnish wages. Navient put our complaint into another investigation because they also show that loan was in forbearance per 3 of their representatives that we talked to confirmed loan is showing its in forbearance status. Yesterday we received letter from my employer that wages will be garnished as of next pay at 15 % each pay as ordered by XXXX. Other issue is balance with Navient was {$6600.00} and now with XXXX they are saying balance is {$8500.00}. Also, when I check XXXX  XXXX XXXX Aid website it says " Your enrollment status is NEVER ATTENDED, effective XX/XX/XXXX ''. 
I have all the paperwork documenting from XXXX through yesterday showing everything stated above and I do n't have anything from Navient informing us loan was in default, sold, or nothing. When I call they agree but said it has to be investigated as to why it was sold. As of last night, XX/XX/XXXX, they still have no answers and referred us to consumer advocacy agency. We have been paying on this loan for years now ( I believe since XX/XX/XXXX we have been paying {$110.00} a month and paid to date per their statement is {$11000.00} ). I have called 3 times today XX/XX/XXXX and left 2 messages for XXXX XXXX who is now handling my account and still no return calls.
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc (TN)

I have contacted Affirm on several occasions requesting that the information on my account be updated. I have a court-ordered name change. They have refused to update my name on the account, to my current legal name. Please advise, this should have never gone this far.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (MD)

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 # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 604 A. Section 2 : states a consumer reporting agency can not furnish a Account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing the following : Adverse item information other than records of conviction of crime that antidotes the report by more than seven years.

15 USC 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 2024-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX  % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within XXXX days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than XXXX days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
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: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

My personal information was compromised. After reviewing my credit report it is apparent to me that someone has accessed my information to apply for an apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fair Collections and Out ) Balance Owed : XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2017-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was XXXX and spent several months in XXXX which prevented me from making payments or calling the mortgage company asking for any type of loss mitigation assistance. Due to the missed payments, a sale date was scheduled for XXXX XXXX, XXXX. I was released on XXXX XXXX, XXXX and immediately put the property under purchase contract as a standard sale, it is a cash offer. We submitted the purchase agreement to the mortgage holder on XXXX XXXX, XXXX. Documents were confirmed received on Friday, XXXX XXXX, XXXX. I was told that the property would need to be sold and paid in full BEFORE the sale date ( that is only 7 days ). I explained that my buyers have a 7 day inspection period and still need to pull title to ensure no other liens are on the property. This unreasonable time frame will not allow for any of that to be done. We then requested reinstatement and payoff figures, we were told they needed to be ordered and would take 3 business days before the figures would be available. This means they would not be available until the day before the actual sale. I asked how they expected me to reinstate the loan if I did n't have the figures. I was told we should have called in sooner. We called on 3 separate occasions and were told the same thing all 3 times. I am the only one listed on my loan, I was not in a position to make phone calls and stay talking on the line for hours trying to get this worked out. Once I was released, I made every effort to rectify the loan. There is over {$100000.00} in equity in my property and now, the mortgage company is trying to profit off of it. All I am asking for is a postponement of sale in order to complete the sale. Nationstar will not help me with this but instead are moving forward with the sale.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

My credit report is still showing late payments on XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 
XXXX XXXX Balance Owed {$0.00} XXXX XXXX Balance Owed {$0.00}
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

I am a current customer of GM Financial. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

By the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions. They never got my written consent to furnish my information.
Consumer complaint received 2018-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

XX/XX/2018 and XX/XX/2018 Account Amount : {$1100.00} XXXX XXXX XXXX, XXXX. reported account onto my credit report which I requested proof of documentation bearing my signature. the company haven't provided me with this document which is a violation of the FCRA.