davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

XXXX  and  XXXX   XXXX  sold  XXXX   XXXX   XXXX ,  XXXX  NJ in  XXXX ,  XXXX . As part of the sale, they needed to pay off a reverse mortgage held by Champion Mortgage  Co. Champion p rovided a payoff statement which charged interest on the loan through  XXXX   XXXX ,  XXXX . They refused to provide a per diem interest amount. On  XXXX   XXXX ,  XXXX , a wire in the amount of {$220000.00} was sent. On  XXXX   XXXX ,  XXXX , Champion sent a second payoff amount, demanding an additional {$900.00} in interest, even though the loan would not be open until the end of the month. On  XXXX   XXXX , a wire for the {$900.00} was sent. We were assured that any overage would be returned to us.  Champion  failed to provide an accounting of the loan, and did not record a cancellation. On  XXXX   XXXX ,  XXXX , a letter was sent to champion requesting the cancellation and placing them on notice of a {$50.00} per day fine assessed if they failed to file the cancellation. No response was received. On  XXXX   XXXX ,  XXXX , an email was sent  to Champion. Although the email was acknowledged, no substantive response was received. As of this date, Champion still ha s not provided a copy of a recorded cancellation of mortgage, nor has it returned the excess interest due. Another demand letter was sent to  Champion  on  XXXX   XXXX ,  XXXX .
Consumer complaint received 2024-04-26
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. (OK)

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 2023-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

On Tuesday, XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXX, I received an email from NFCU, alerting me to an unsuccessful external account registration attempt. Subsequently, upon checking my NFCU checking account ( Acct. # XXXX ), I discovered a significant reduction in my balance by {$9800.00}, attributed to unauthorized ACH transfers on the following dates : XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} I promptly reported the fraudulent transfers to NFCU at my local branch in XXXX, CA, where a customer service representative initiated a case with the fraud department. Concerned about the urgency, I emphasized the need for immediate reversal, especially given that the last two transfers occurred only one day prior. The representative assured me that my account would be closed and replaced while the fraud department investigates. 
Despite my efforts and cooperation, a letter dated XX/XX/XXXX from NFCU denied my claim, holding me responsible for the full amount. The denial lacked details or additional information. Following their advice, I submitted an NFCU Security Appeal form on XX/XX/XXXX, including information about the XXXX XXXX breach affecting me in XXXX, along with a police report ( Report # XXXX ) filed in XXXX XXXX XXXX 
However, my appeal was subsequently denied due to " lacking new information. '' Despite my pleas, NFCU refused to provide essential details about the transactions, stating they require a subpoena. Unfortunately, obtaining a subpoena is challenging, as NFCU 's headquarters is not in my state, and local authorities claim limited jurisdiction. 
Feeling left in the dark about the situation, I am seeking assistance to compel NFCU 's cooperation, potentially through filing a complaint. I urgently request your support in resolving this matter and appreciate your prompt attention.
Consumer complaint received 2024-04-26
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. (AR)

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXXXXXX XXXX XXXXXXXX account XXXX XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I requested that the company provide me with the original contract with my signature on it and I did not receive anything from the company, and I am a victim of identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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, the consumer identifies as information that resulted from an alleged identity thief, not later than 4 business days after the date of receipt, It has been 30 days and you are in violation of the law because I am a victim of an identity thief, please delete item immediately. These account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2i Following the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. XXXX XXXX XXXX ONLY sent me a copy of the credit card agreement but I have NOT received contract with my SIGNATURE NAME ON IT.
Consumer complaint received 2024-04-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Entire XXXX XXXX SERVICES student loans have been PAID IN FULL AND TOTALLY DISCHARGED. THERE IS XXXX DEBT OWED. YET THEY ARE NOT DELETE N THE TRADE LINE. PLEASE DELETE ALL STUDENT LOANS FROM THE ENTIRE CREDIT FILE
Consumer complaint received 2023-10-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IN)

I co signed a lease for a friend 's mother on XX/XX/XXXX. XXXX ended on XX/XX/XXXX. ( All receipts for rent are included. ) XXXX XXXX XXXX is trying to collect a debt and are reporting I owe a debt that is not the unit I co signed for. I co signed for unit XXXX. The debt belongs to unit XXXX. ( Notice of rent included ) ( copy of lease included ) I DID NOT CO SIGN FOR UNIT XXXX XXXX CO XXXX FOR UNIT XXXX THIS CASE WAS DISMISSED IN XX/XX/XXXX XXXX IS REPORTING THIS AS A COLLECTION XXXX CLAIMED TO HAVE VERIFIED THIS ACCOUNT
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I wish that you are doing well as I write this. I'm writing to let you know of an issue with my account 's reporting of late payments. I found that there are late payment entries on my account that have lowered my credit score after looking over my most recent credit report. 

I understand the importance of accurate reporting, and I am committed to maintaining a positive credit history. However, I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following details : XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. 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 me or XXXX XXXX customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct or remove this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

After carefully examining my financial records, I have found that these late payments are either inaccurately reported or were submitted in error. I kindly request that you review my account and, if appropriate, remove the mentioned late payments from my account history.
Consumer complaint received 2024-04-26
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. (FL)

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXXXXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2023-04-25
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. (NV)

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 1. XXXX XXXX, Account # XXXX XXXX. XXXX XXXX Account # XXXX 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 : 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 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 ) States 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 2024-04-26
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)

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} Status Open. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$20000.00} Status {$2600.00}. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX. 


Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation.

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies. 

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein. 
Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports. 
Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies. 
I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators. 

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report. 

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to inform you that I am exercising my right under 15 USC 6802 to opt out of the reporting of my account with XXXX VEHICLE PROP IN CO on my consumer report. 

As outlined in 15 USC 6802, consumers have the right to opt out of having their accounts reported to credit reporting agencies. Therefore, I formally request that XXXX VEHICLE PROP IN CO cease reporting this account to TransUnion effective immediately.

Furthermore, I would like to bring to your attention that, as a consumer, I am protected under the Privacy Act of 1974. This act mandates the protection of individuals ' personal information held by federal agencies. Any violation of my request to opt out of reporting this account would constitute a breach of this privacy protection.

I understand that opting out of reporting this account may affect the completeness of my credit report. However, I am exercising my rights under the law and expect that my request will be honored accordingly.

Please confirm in writing that my request to opt out of reporting this account has been received and will be implemented promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-13
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. (IN)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute certain information on my credit report related to the accounts mentioned below. I have been informed by the respective banks that the discrepancies are due to internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX  XXXX. I have attached supporting documentation to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I am aware that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I anticipate your prompt response and the correction of the inaccuracies in my credit report.
Consumer complaint received 2023-12-13
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. (GA)

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 XXXXXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I am writing to dispute the credit card activity on my account for the amount of {$4500.00} on XX/XX/2022. I have attached the receipt of loss claim with the claim number XXXX and the order details for your review. 

I received my order from XXXX XXXX on XX/XX/2022, and unfortunately, the goods were damaged during transportation. The items were not packaged properly, and as a result, the goods were dented, scratched, and unusable. Therefore, I request that you investigate this matter and issue a refund for the disputed amount.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

1. in XXXX I applied for a forbearance during XXXX 2. Made 2 payments of {$1200.00} in XXXX to end forbearance was told not to make any more payments by Shell Point 3. called later in XXXX to make a payment and was told not to make a payment 4. found out by mail that I was going int0 foreclosure 5. contacted a lawyer and he took my case 6. agreed on a loan modification in XXXX 7. XX/XX/XXXX started a trial period of 3 months to ensure I could keep my house 8. XXXX finally found out where to make the payments through our lawyer 9. called Shell point and made 2 payments of {$1200.00} ( would not accept full amount of XXXX ) 10. attorney received email saying I was 2 months behind on payments and then received a letter stating the same thing the email said 11. called shell point to find out what the issue was with the payments ( XX/XX/XXXX ) Shell point admitted to making the mistake of transferring money from XXXX 's payment to the principle without my knowledge. I talked to XXXX XXXX ( sounded fake ) would not give me a their number or email and said I will call you back Saturday when the money was returned. 

I am trying to make the 3 payments in a timely manner, but I can not due to the poor mishandling of my account by XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (PA)

I received mail and phone calls from XXXX XXXX XXXX. I called then XXXX and a person only identified themselves as XXXX. He said they are a credit reporting company and I owed {$120.00} some odd dollars. I advised that I cancelled he said verbal cancellations are not allowed and I have to pay. 

I told him the front desk accepted my cancellation, he didnt care, and then just simply hung up on me! Their tactics are despicable! At no time did they or XXXX XXXX ever report any positive payments I made, and now they threaten my good credit so they can get paid? This is abusive and misleading to other creditors. They are using my credit report and score as a weapon against me to illicit a payment that is not even owed! They should be banned from reporting anything to the credit report, and should be penalized.
Consumer complaint received 2024-04-26
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)

I look at my credit report and notice XXXX ACCOUNT # XXXX WHICH SHOULD NOT BE ON MY CREDIT I HAVE NO CONTRACT WITH THIS COMPANY. I ALSO NOTICE INACCURATE DATA. ALL XXXX CREDIT BUREAUS SHOULD REPORT THE SAME. 
XXXX FROM XXXX IS XXXX info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ADDRESS IS Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number