davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
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)

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- XXXX XXXX # XXXX - XXXX XXXX # XXXX - IQ DATA INT # XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX # XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and Your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA XXXX Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, Your company reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave Your company any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 

XXXX XXXX XXXX
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Hello, I would like to issue a complaint on " Mr. Cooper '' XXXX XXXX XXXX XXXX. XXXX, TX, XXXX my previous mortgage servicer. 

I recently closed on a new loan with XXXX XXXX XXXX  for my existing home on XX/XX/XXXX and it was funded to " Mr . Cooper. '' on the XX/XX/XXXX. Just yesterday on XX/XX/XXXX, Mr. Cooper called my XXXX closing attorney, XXXX XXXX and said that I owed over {$2000.00} in escrow money. 

I find this to be unethical. Mr. Cooper never alerted me of this when I was their client and XXXX said they've never seen such poor management of a mortgage before ( they worked with Mr. Cooper to get the final amounts etc. ) owed. I feel strongly that this is Mr. Cooper 's problem and not mine. I am not longer their client and they never alerted me or my new loan organization, XXXX of this $ XXXX + escrow. 

I called Mr. Cooper today and they claim that when they bought my loan in XX/XX/XXXX I came over with only {$140.00} in escrow. They missed my XX/XX/XXXX tax payment to the city and the payment they made in XX/XX/XXXX was for XX/XX/XXXX. My question for them was who has my previous escrow money. Mr. Cooper or my previous loan, XXXX XXXX? Theyve admitted that theyve made many mistakes and said they failed to alert me that the XX/XX/XXXX payment was an advance. 

I am concerned that they will try to strong arm me in making this payment. I would like your assistance and for your help with this complaint. In addition, I'd like to ensure this does not happen to anyone else. 

Regards, XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (FL)

I called XXXX to settle complaint over the phone on or about XX/XX/2023 in reference to my concerns about inaccurate notation on my credit report ; dates in reference to XXXX XXXX XXXX XXXX, CREDITOR, through NBC Mangement Services.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ascendium Education Group (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Student Loans from Consumer Reports Dear Ascendium Education XXXX XXXX and XXXX , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above. 

Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form. 

Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS. 

I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Student Loans from Consumer Reports Dear XXXX XXXX XXXX XXXX and XXXX , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above. 

Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form. 

Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS. 

I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX. 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX
Consumer complaint received 2022-12-21
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX 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
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Student Loans from Consumer Reports Dear XXXX XXXX XXXX XXXX and XXXX , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above. 

Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form. 

Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS. 

I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-03-11
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. (GA)

Under 15 U.S Code 1691b Permissible purposes of consumer report. I never gave you any written consent to report anything on my consumer reports. No consent is identity theft.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report. These accounts below are in violation.Any credit transaction supposed to be excluded from a consumer credit report. if a Social Security card was used in the transaction.

15 U.S.C 1681S-2 ( A ) ( 1 ) ( E ) ( I ) Rehabilitation of private education loans, These loans below has completed the rehabilitation process, DELETE NOW 1. U S Department of Education XX/XX/XXXX all 12 accounts for different amounts. 
2. XXXX  XXXX has 10 accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several requests to update the erroneous accounts. The 3 credit Bureaus are required to review these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC. (VA)

I have over {$80000.00} stored in an investment account with Axos Bank. I have attempted multiple times to transfer this money to my checking account with XXXX XXXX XXXX XXXX, with my first transfer on XX/XX/XXXX. These transfers have not gone through, and have disappeared from my transaction history. I have contacted customer support on XX/XX/XXXX. They claimed to be fixing the problem, but I still haven't gotten my money after waiting 8 days.
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (SC)

I sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXX  on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX  on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of XXXX5 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( XXXX, XXXX, Experian ) of the violations Pro Collect conducted and requested the three major credit reporting agencies, XXXX, XXXX, Experian to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer report.
Consumer complaint received 2024-03-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC. (GA)

EQUIFAX Report # XXXX XXXX XXXX XXXX XXXX XXXX, is listing A Account with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
Account ending in XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2023-09-13
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NJ)

Negative information is damaging my credit score. I request a full investigation of the facts. It is illegal companies decrease their tax burden while increasing mine. Would you want someone to do that to you? Inaccurate info. Account written off/accepted by 3rd party. Per FCRA and 15 USC 1681-1681x, law states listing inaccurate and information is illegal.
Consumer complaint received 2022-12-09
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. (VA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2023-03-11
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. (TX)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 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 or 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2018-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I have a high risk, subprime high adjustable interest rate 1 family mortgage that keeps rising in interest rate. When the market crash in XX/XX/XXXX, I had lost my job and could not keep up with paying my rising mortgage. I got sick and was placed on social security XXXX starting XX/XX/XXXX. I always tried to resolve with the many changing, swapping banks who is currently XXXX XXXX. I bought my house from XXXX XXXX in XX/XX/XXXX. I am currently negotiating the loan modification with lender, MR COOPER. I never did business with Mr Cooper who is currently charging me above 7.5 % interest rate. Is this legal? This is all just like the XXXX movie, XXXX XXXX XXXX. 
In XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX ( represented by XXXX, XXXX XXXX XXXX XXXX ) was successful in getting a notice of motion for Judgement of Foreclosure and Sale after many attempts. They also add a name XXXX XXXX to my lawsuit as if she is partial owner to my property when she has no ownership and I never know or met any such person. I am now getting calls everyday almost from investors to buy my so-called 2 family house ( I don't own a 2Family-I own a 1 Family ), This is important because of the misleading equity. Mr Cooper will not give me a fair interest rate for a loan modification. These banks are all about greed and I think they already made their money on this property yet they want to take it away from me so they can sell it to someone new and start the bidding all over.
Consumer complaint received 2024-03-29
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)

There is several inquiries unauthorized, that I never applied for this was between XXXX. I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX15 USC section 1681i, I will expect you to complete the verification within XXXX ( XXXX ) days. I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IN)

On XX/XX/2023 I made a purchase of {$9400.00} on my credit card. I read about a repayment plan that allowed me spread large payments up to 24 months with no interest. Once Id made the charge though they told me the repayment plan is actually only up to 3 months. I spoke with American Express customer service on XX/XX/2023 at approximately XXXX. They told me that offer had changed and that no one could manually update it. They then tried to convince me to pay off the charge with my monthly APR and just told me no one has no control over the repayment plan.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 945k purpose.