davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-11
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

I declare under penalty of XXXX ( under the laws of the United Slales, I execuled oulsict of the United States ) that the foregoing is true and correct to the best of my knowledge. 

Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 

also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. 

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person of company - without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/18 I made a payment of {$240.00} for my XXXX XXXX government credit card, I did not receive any confirmation or code so I waited to see if it hit my bank account. The next day I saw it hadnt posted so I thought i may have made a mistake and made a second identical payment for {$240.00} on XX/XX/18. Afterwards both payments hit my accounts, I contacted Citi customer service to see if they could stop one payment they said they could not and told me all I had to do was email them proof and that they would refund me within the next day. I did as I was instructed and received an automated mail that said they were investigating the case and that I would hear from them no later than 2 business days. I let 3 business days pass before I contacted them again via email to see the status update. I heard nothing from them until I called a few days later to be told again that my case was being investigated I let them know that it was a simple overpayment and I had no other balance on the card other than the {$240.00} that I had paid, twice. The woman I spoke to then said if it were approved they would send me a check to my location overseas, which worries me since mail is known to get lost enroute..I asked if they could please just deposit to the same account they drafted from. She said she would note my account but it was improbable. It has now been 10 days since the initial contact and Im still in the dark about whats going on.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I closed my capital one secured platinum card and paid the balance in full. It has been over a year and they refuse to send my XXXX dollar deposit back. They had me send various documents and told me I would get the check in XXXX weeks. I have sent them these documents 3 times. Now they are requesting them again. They will not givee my refund.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
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)

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with XXXX XXXX and Equifax are reporting these unauthorized inaccurate accounts : Account : XXXX XXXX XXXX. 
Account number : XXXX Opened : XX/XX/year> Account XXXX XXXX XXXX XXXX  Account number : XXXX Opened : XX/XX/year> Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was not notified of the last response therefore missed the deadline to respond. The response from Nationstar is not addressing the issue. I never " said '' XXXX is requiring the my payments be backdated so please do not contact them. 

I want my payments posted or back dated to the date they were received in full by your company. Not sure why this is a difficult concept. If it takes two weeks, fine, just back date it to the date received. As a consumer I am being punished because your company is too lazy to back date when a payment is received versus when you get around to posted it. 

XXXX was made on XX/XX/XXXX was posted on XX/XX/XXXX May was made on XX/XX/XXXX posted on XX/XX/XXXX XXXX was made on XX/XX/XXXX posted on XX/XX/XXXX XXXX was made on XX/XX/XXXX and not showing a posting date XXXX  was made on XX/XX/XXXX and not showing a posting date XXXX was made on XX/XX/XXXX and not showing a posting date Not having my payments backed dated to the date you were in possession of the full payment is a regulatory violation.
Consumer complaint received 2024-04-11
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. (NY)

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with XXXX TransUnion and XXXX are reporting these unauthorized inaccurate accounts : Account : XXXX XXXX XXXX. 
Account number : XXXX Opened : XX/XX/2023 Account : XXXX XXXX XXXX Account number : XXXX Opened : XX/XX/2023 Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX, XXXX, TransUnion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NV)

Account opened on XX/XX/2021 The amount is {$7500.00} I tried to speak with a representative on XX/XX/2021 and was unsuccessful. 

I would like this removed from my credit report it has been negatively affecting me.
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: EQUIFAX, INC. (LA)

I was taken advantage of by the car dealership. Im a XXXX XXXX, first time buyer my credit score was low 700s. I had a approval already from my person bank that allowed me no money down, reasonable car note, and interest rate however the employees at the dealerships did not like that and was insisting I put money down my credit was checked over 100 times without my permission which eventually hurt my credit in the long run. I knew nothing about these inquiries and its unfortunate because I cant apply for Wi-Fi let alone credit cards in my name. I plan on moving to a brand new complex soon once my lease is up and purchasing a new car for myself but my credit is horrible and hindering me from accomplishing big milestones in my life.
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. (LA)

I was taken advantage of by the car dealership. Im a XXXX XXXX, first time buyer my credit score was low 700s. I had a approval already from my person bank that allowed me no money down, reasonable car note, and interest rate however the employees at the dealerships did not like that and was insisting I put money down my credit was checked over 100 times without my permission which eventually hurt my credit in the long run. I knew nothing about these inquiries and its unfortunate because I cant apply for Wi-Fi let alone credit cards in my name. I plan on moving to a brand new complex soon once my lease is up and purchasing a new car for myself but my credit is horrible and hindering me from accomplishing big milestones in my life.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (MD)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

On XX/XX/XXXX XXXX XXXX sent notification that the mortgage home loan servicer would be changing to XXXX XXXX XXXX  and would take effect on XX/XX/XXXX. Nationstar confirmed the transfer and sent out a welcome correspondence on XX/XX/XXXX. Both taxes and insurance are escrowed in the mortgage payment. Both XXXX  and Nationstar assured that the payments would remain the same and that the terms of the loan would remain unaffected.On XX/XX/XXXX XXXX  (the provider of homeowners insurance to the property) sent XXXX a request for payment. The policy was set for renewal by XX/XX/XXXX. XXXX transferred the mortgage to Nationstar on XX/XX/XXXX without payment being made to XXXX. XXXX  request for payment was sent only to the mortgagee and not the mortgagor as the account had been noted since the XX/XX/XXXX's. On XX/XX/XXXXthe  XXXX insurance policy was terminated for nonpayment.Surprisingly, when the XXXX insurance policy canceled, XXXX was still listed as the Mortgagee. Nationstar  not only failed to change the mortgage clause during the transfer, but they were also unaware that the insurance policy had canceled, still currently show XXXX as the insurance provider, and continue to escrow based on the previous policy premium.Moreover during the lapse of coverage, a claim for substantial water damage on the property needed to be filed. Nationstar has force placed insurance that will not adequately cover the damage and repair to the structure of the property. There is also no coverage granted for any personal property loss. The XXXX policy would have more than easily covered our losses had Nationstar not been negligent to pay the renewal of the policy as required in maintaining terms of the original loan.
Consumer complaint received 2024-04-11
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)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC (AR)

This active debt is enrolled with national debt relief and I have been in the program for over a year and paid over {$3000.00} to this debt management company as they have this enrolled and this third-party company has a representative name XXXX now harassing me and making repeated phone calls For this debt that is already being managed and represented by national debt relief
Consumer complaint received 2017-10-03
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (IL)

On XX/XX/XXXX we were advised our Reverse Mortgage was sold to Champion Mortgage of XXXX, TX. We were advised monthly statements would be supplied by Champion Mortgage. On XX/XX/XXXX we sent a letter to Champion Mortgage requesting information on how to make re-payments to Champion Mortgage. As of XX/XX/XXXX we have NOT received any monthly statements nor any instructions as to how to make re-payments. Further we are advised Champion Mortgage is the subject of a class action lawsuit for increasing fees and charges on elderly reverse mortgage holders by ignoring their request and making unauthorized inspections without knowledge of the property owner.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

I bought a car from us auto back in XX/XX/XXXX. Paid a down payment and paid on it u til early XXXXXXXX XXXX XXXX My balance is incorrect and they cant find my payments that were made or not transferred over to Westlake portfolio. Harassing calls and emails. Threatening to repo and add other fees that Im not aware of. I never sign a contract with Westlake. My warranty is void after us auto sale sold my information and Westlake isnt honoring the contract.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Despite providing substantial evidence of the fraudulent nature of these items and diligently following the required procedures outlined by your agency, they persist, causing significant harm to my creditworthiness and financial standing. 

I initially disputed the fraudulent items and have since followed up today. Despite my persistent efforts, the fraudulent items remain unresolved, casting doubt on the accuracy and integrity of my credit report and impeding my ability to access credit and financial services. 

I demand immediate action to thoroughly investigate the fraudulent items and expedite their removal from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX, XXXX, NC, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX ; XXXX  - XXXX XXXX XXXX Balance : {$15000.00}.
Consumer complaint received 2024-04-11
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. (MI)

I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. The unauthorized inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX According to XXXX XXXX XXXX XXXX XXXX the credit bureau is supposed to ensure maximum possible accuracy, the account violates these laws Delete the follow inquiries. 

15 U.S code 1681i 15U.S code 1681s-2 15 U.S code 1681I ( 5 ) 15 U.S. Code 1681b 15 U.S. Code 1681 15 U.S. Code 1681b 15 U.S. Code 1681n 15 U.S. Code 1681e