davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-25
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: Fidelity National Information Services, Inc. (FNIS) (MO)

CHEXSYSTEMS IS REPORTING AN UNPAID BALANCE ON AN ACCOUNT THAT HAS BEEN PAID IN FULL. XXXX XXXX  HAS BEEN PAID IN FULL AS OF XX/XX/2023 AND THEY HAVE SENT CORRESPONDENCE TO CHEXSYSTEMS. CHEXSYSTEMS HASN'T UPDATED THE STATUS OF THE ACCOUNT EVEN AFTER XXXX XXXX  HAS INFORMED THEM OF THE CORRECT STATUS ON XX/XX/2023.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 FEDERAL TRADE COMMISSION or https : XXXX 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 of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Mr.Cooper /Nationstar Nationstar has charge me double the escrow in my previous modification which made. my modification unaffordable. I have a document from their attorney XXXX XXXX as proof. Now they state I have reached my maximum modification but they were calculating it incorrectly. I have suffered from medical issues, loss wages and recvd a XXXX XXXX from XXXX XXXX.I have found employment and can now afford to pay but Mr.Cooper will not give me the modification i need to save my home. You can not count modification that have contributed to my hardship making it difficult to meet the payments and errors on their part.They charged me {$1600.00} and {$1700.00} amt of last two modifications. It is now XXXX per XXXX XXXX there attorney who found the discrepancy. I need someone to hold Mr.Cooper accountable for their actions and give me a modification or reinstate my loan as i owe more than home is worth.I was Injured, had XXXX out w/no pay, diagnosed w/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and and gov't put me in no pay status 6 months pending determination from doctors the removed me medically. I explained this hardship to Mortgage when i applied for a forbearance through Community Link/NC Foreclosure Prevention summerXX/XX/XXXX. They denied forebarance and never informed me when i called regarding fall XX/XX/XXXX modification application the told me they treat forebarance like modification and denied me. 
I wouldn't be so far behind had they calculated my modifications correctly. 
In addition, the investor XXXX wants me to pay {$15000.00} then XXXX a month for 6 months the mortgage of {$1200.00}. to get modification. Ridiculous! The other two investors agreed to give me a modification. 
If you have any questions regarding the investor 's please feel free to contact The reinstatement Program at XXXX ext XXXX XXXX he is trying to assist me with the modification. I received a sale date of XX/XX/XXXX two days ago while XXXX   was communicating with last investor. 
Please help me.I am a single mother and I want to keep my home. 

Thank You XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-15
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: Experian Information Solutions 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 2023-02-20
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: EQUIFAX, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute an entry on my credit report regarding an account with XXXX XXXX  XXXX. The account in question has been charged off and has an account number of XXXX. 

I also want to dispute an inquiry on my credit report dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. 

I believe that these entries are inaccurate and/or incomplete and do not reflect my credit history accurately. I request that you investigate these entries and provide me with the results of your investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I also have the right to request that the credit reporting agency remove any information that can not be verified. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
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: Experian Information Solutions Inc. (IN)

All three major credit reporting agencies continued to dis regard my attempts via certified mail to furnish proof of debt ownership with an original contract with my wet ink signature. The alleged ownership of the negative accounts reporting on my consumer report has and still are severely impacting me financially and mentally. Ive provided proof of identity and current address and still, they have yet to provide me with proof of debit ownership in accordance to United States consumer laws, I found that these companies have been in major violations in accordance to these federal laws. 

By furnishing these alleged debts my following rights have been and continues to be violated : 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 section 2 : states the a reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681 - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report does not include ANY REPORT containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-04-21
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-05-07
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. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my privacy rights by reporting information on a closed account. 

15 U.S.C 1681 section 602a States that I have a right to privacy. 

This account has been paid and closed. 

XXXX has removed this item and I would prefer XXXX and Transunion to do the same.
Consumer complaint received 2023-11-28
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)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

It has come to my attention that there are errors on my credit report. 
Case law in XXXX vs. XXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it. 
I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made.

I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable.

I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. 
Please make the requested delete on the following accounts XXXX  ACCOUNT NUMBER XXXX. 
XXXX XXXX XXXX ACCOUNT NUMBER NOT REPORTED. 
XXXX  ACCOUNT NUMBER XXXX. 
XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX. 
XXXX XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2023-04-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (KY)

I received a phone call from Midland Credit Management between XX/XX/XXXX - XXXX the agent stated that she was attempting to collect a debt. I told her that I had never contracted with them and that I do not owe them anything. I asked that she and her company cease and desist all communication about this alleged debt. I then received a package by XXXX  a few days later. Upon me checking on my credit report on XX/XX/XXXX, I notice that they were reporting this alleged debt to the Credit Reporting Companies as well which is a violation under the FDCPA.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 XXXX XXXX # XXXX ( account # ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023 I received a phone call from XXXX with XXXX XXXX. He called me from XXXX. He said he was calling on behalf of XXXX XXXX XXXX to confirm my information so they could serve me with a legal document. XXXX gave me the number XXXX to contact XXXX XXXX XXXX. I decided to call the XXXX back and a XXXX XXXX answered the phone saying " XXXX XXXX XXXX. '' I was confused and told him I just received a call from this number and the person XXXX said he was with XXXX XXXX and now it's XXXX XXXX XXXX. 

I continued to have a conversation with XXXX XXXX and he informed me that XXXX XXXX XXXX is a law firm located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA and is representing a credit card company I owe a debt to. I ask him to mail me the information regarding this debt and he said they already did. I told him I didn't receive anything in the mail and asked how it was sent, He said by regular mail. I asked again if they would send me the information because I had not received anything from them and he again refused. I asked him how can I even address this if I have no information and he then said I will have all the information I need once we get to court. He said a judgement will be placed against me and funds can be seized from my bank account and property can also be seized to satisfy the debt. 

I have researched this company, XXXX XXXX XXXX, online and can't find anything about them. Please help me with getting information from this company about a debt they say I owe.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Collection Systems, Inc. (NC)

I have a balance at a previous university and because of this, they have a hold on my transcripts. They said if I worked with the collections company that has my debt, they will release the transcripts. I contacted the company and made the required upfront payment and I am very concerned with how this company handles my personal information. I called to make this payment on XX/XX/2023. When the individual answered, I told them why I was calling and they said they could help and asked if I was 'MY NAME '. I am, and so I responded with yes. Then the individual read off my SSN, DOB, address, email, and phone number to me asking if this was accurate. I could of been anyone and this individual gave out every piece of personal information I have. They didn't ask to confirm it and have me read out the information, they read it off themselves. This is an unethical example of handling personal information. I have canceled my card and plan to contact the school to find a new method of handling this debt.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (FL)

I sent a letter requesting last XX/XX/2023, that you reinvestigate the disputed Accounts from my credit report as well as update/correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The account are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXXXXXX XXXX Balance : {$440.00}
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: WELLS FARGO & COMPANY (FL)

I just received another letter from Wells Fargo Auto Finance. This one has my alleged 'Signature ' on it. 

1 ), The signature is so small I can hardly make it out. 
2 ) I can not write as small as they have on this alleged Loan Application as I have XXXX XXXX in my XXXX XXXX XXXX, and I`m right handed. 
3 ) I told the salesmen that I would not sign the application as it contained misinformation regarding my earnings and have no assets. So this Loan Application is a fraud. I`m attaching a copy for review. 

If Wells Fargo Auto Finance keeps denying this, then I believe it will be time for me to seek an attorney. I can also get one for free because I`m on Social Security XXXX. I will attach my award letter once again.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Through this prestigious agency and that we citizens have so that this agency enforces federal, state and local laws, I am writing to you seeking your support, since I have tried by different means to find a solution to this situation. trying to get this debt collector, which has had a very questionable record in its collection procedures in its past, since this same AGENCY, ( CFPB ) has investigated it several times for its questionable operations, finding violations in its financial activities, it is questionable that an entity like NationStar Mortgage LLC, or Mr. Cooper knowing FEDERAL, STATE AND LOCAL laws would violate, violate these laws, since they can not assume ignorance of it. 
Since for more than once this same agency investigated and fined her for said violations. 
I hope that my case will be investigated for purposes of legitimacy of the proceedings of this entity known as NATIONSTAR MORTGAGE LLC, MR. COOPER. 
I remain at your disposal awaiting a legitimate response from you.
Consumer complaint received 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (TX)

They approved without validation of income or proof repayment. They have me listed as making XXXX dollars a month.Im XXXX, and my business income was consistently going down I had multiple overdraft fees in both my business and personal accounts. My credit card usage went up, and my credit score went down drastically over the past year. I was desperate for income due to medical bills, and this is by definition, predatory lending.