davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HomeTown Lenders, LLC (FL)

On XX/XX/XXXX  we closed on a XXXXXXXX XXXX XXXX XXXXXXXX ( now our primary residence ) with Hometown Lenders listed as our mortgage servicer. We sent electronic payments for XXXX and XXXX in the amount of $ XXXX. On XX/XX/XXXX, I learned that our mortgage was sold to XXXX XXXX  and we were showing overdue for the XXXX and XXXX payments. I contacted XXXX XXXX and explained that we made those payments to Hometown Lender. After unsuccessfully trying to get Hometown Lenders to send the 2 payments to XXXX, I paid the two overdue payments to ensure I was current with my mortgage. Since that time, we've attempted to get Hometown to either send us a check for the 2 payments or send the 2 payments to XXXX XXXX  directly to no avail.I can send emails with Hometown payment confirmations and our request to Hometown Lenders to transfer our 2 payments to XXXX if requested.
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (IN)

I recently checked my credit report & noticed XXXX XXXX XXXX was on there.. XXXX is a 3rd party debt collector according to the XXXX. I refuse to pay this debt to this business that I have never done business or have any obligation or contract with. This company obtained access to my private information unlawfully and has violated my right to privacy. I demand that this company delete this trade line from my credit report immediately. Failure to do so will result in litigation for multiple violations.
Consumer complaint received 2022-10-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

On XX/XX/2022, I sent a debt validation letter to [ XXXX XXXX XXXX XXXX XXXX ] company and they has failed to validated my debt, which shows the amount of {$1800.00}.
Consumer complaint received 2020-12-31
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I had a car lease with Hyunda. I had the car for 12 months - I went to sell the car ( what was remaining of the lease ) - I went to a used car dealer on XXXX XXXX in XXXX XXXX XXXX No Longer open ) and the dealer received a payoff from Hyunda verbally in which was inaccurate I found out after I sold the vehicle to the dealership. I did not have possession of the vehicle when Hyunda reported the account derogatory and closed.
Consumer complaint received 2023-11-09
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. (TN)

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX XXXX XXXX XXXX has been placed on my credit report to intentionally and fraudulently hurt me and my credit report. I have disputed this collection several times with the XXXX, XXXX and equifax credit agengies but it has came back as verified on XXXX and equifax but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on XXXX and the last activity on equifax is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. on XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX  XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By Consumer Account details No History Is Available. On equifax it says Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXXXXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account ID XXXX XXXX No has responded or sent me a validation letter Nothing ties me to this account. 
Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 CREDIT COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX MA XXXX NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against CREDIT COLLECTION SERVICE for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. CREDIT COLLECTION SERVICE has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with CREDIT COLLECTION SERVICE. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with CREDIT COLLECTION SERVICE proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. CREDIT COLLECTION SERVICE conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that CREDIT COLLECTION SERVICE take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If CREDIT COLLECTION SERVICE is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation. 

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, 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. (GA)

Reporting act American : The following Inquires Have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

ALSO THESE inquires are in itself fraudulent and not done by more nor my consent and I have not consented to the reporting in my personal name to any reporting agencies.

& 15 U.S.C. 1681-1681, imposes that responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. This is unauthorized by me and unlawful and I seek immediate removal. Ive requested this before and ive yet to get a response from my inquiry. This is my second time reflecting upon this matter.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Equifax report and have not had any activity since XXXX of 2008 and Equifax has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX XXXX # XXXX ; 2 ) XXXX XXXX ; 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX # XXXX these XXXX accounts received their last payments in the XXXX of 2008. That is when I defaulted after I lost my job and had no money to make any payments. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Equifax verify these dates? They need to know that it is not right to report items past the statue of limitation, which I was told by XXXX that that is XXXX years. Please, can the CFPB ask Equifax to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (AZ)

I am writing to seek assistance regarding multiple failed attempts to dispute an unrecognized credit card charge. Here is a summary of the events : XXXX. Initial Dispute : - Date of Dispute : XX/XX/XXXX - Transaction Date and Amount : XX/XX/XXXX, at XXXX XXXX, amounting to XXXX {$1100.00} - Action Taken : Disputed the transaction as unrecognized. 
- Outcome : The dispute was not resolved in my favor. 

XXXX. Second Dispute : - Date of Dispute : XX/XX/XXXX - Outcome : The dispute was again unsuccessful. 

XXXX. Third Dispute with Additional Information : - Date of Dispute : XX/XX/XXXX - Provided Evidence : Submitted a copy of my XXXX, the Arrival-Departure Record Card, confirming I was not in the United States from XX/XX/XXXX, until after the transaction date. I also included a screenshot of my XXXX ID order history showing no purchases since XX/XX/XXXX. 
- Outcome : The dispute failed once more. 

XXXX. Fourth Dispute : - Date of Dispute : XX/XX/XXXX - Outcome : The dispute did not resolve in my favor. 

Despite providing substantial evidence supporting my claim that I did not authorize nor participate in the transaction in question, all disputes have been denied. This transaction was made through XXXX, and I have shown through my XXXX and XXXX XXXX order history that I could not have made this purchase. 

I request the CFPBs assistance in addressing this matter with the credit card company and Apple to ensure a thorough investigation is conducted and to facilitate the reversal of the fraudulent charge. 

Thank you for your attention to this matter. I am looking forward to your support to resolve this issue.
Consumer complaint received 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/2024 NELNET XXXX XXXX XXXX XXXX, OR XXXX Dear Nelnet, I am writing to bring to your attention an issue with the reporting of my student loan account. According to my records, the debt on my student loan has been SATISFIED, but it is still being reported as outstanding on my credit report. 

I request that you update your records and report to the credit bureaus that the debt on my student loan has been satisfied. 
I understand that errors can sometimes occur in the reporting of loan accounts, but it is important for my credit report to accurately reflect the status of my loan. I hope that you can correct this issue promptly. 

I would appreciate your prompt attention to this matter and confirmation once the changes have been made to my credit report. If you require any additional documentation or information from me, please let me know. 

Thank you for your assistance in resolving this issue. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MO)

My Mortgage loan with Rushmore Loan Management Services ( purchased by Mr. Cooper in XX/XX/XXXX XXXX  ), was transferred or sold to Rushmore Servicing with a balance of XXXX. Notice was only received 15 days after the transfer. Mr.Cooper ( doing business as Rushmore Servicing ) raised my monthly payment from {$1300.00} to {$1300.00} without providing notice or justification. 

No balance was due on XXXX, per the Rushmore Loan Management Services online website, a subsequent statement was published for that date by Rushmore Servicing requiring the new higher payment {$1300.00}, due on XXXX. 

The XXXX payment of {$1300.00} was made on XXXX 

The XXXX payment ( {$1300.00} ) was scheduled for XXXX  and posted to my bank account that day. That payment has not been reflected in the Rushmore Servicing account, still showing a payment due for XXXX 

Additionally, Mr. Cooper reported my 30 year mortgage as closed to the Credit Bureaus XXXX XXXX XXXX XXXXXXXX ) effectively downgrading my credit score. 

Repeated attempts to contact Rushmore Servicing Customer Support on the matter just result in waiting on hold for 30 minutes then a disconnection.

One wonders if Mr. Cooper ( Rushmore Servicing ) staged their own 'hacking ' incident to distract from their incompetent and invalid processing.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 

The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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)

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 

The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (GA)

DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. XXXX XXXX XXXX. XXXX XXXX XXXX.
Consumer complaint received 2023-08-09
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)

XXXX has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. 
Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not XXXX cent to this lender. I also didnt sign an agreement, nor take out these loans with XXXX. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (GA)

I'd like the bureau to initiate an inquiry into the accounts where I've consistently been on time with payments, yet they inaccurately label me as late. I've diligently paid off these accounts every month, and it's unjust for them to report otherwise.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I tried to obtain credit and was told about an auto loan with XXXX XXXX XXXX that was delinquent and in repossession that appeared on my credit report. I know nothing of this company and never made an auto loan in the amount of {$16000.00}. I live in XXXX XXXX and never made an auto loan purchase in XXXX I disputed this with the credit bureau, and it still appears on my credit report as a repossession with {$13000.00} still owed. I am not satisfied with the outcome and the Credit Bureau nor the fact that all the say is that it's dismissed. Someone used my information to get an automobile and I want this corrected the proper way because it has dropped my score tremendously from what it was previously. Info below that I got from 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