davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
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. (NV)

In accordance with the Fair Credit Reporting act Convergent Account 's XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX, have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A state that 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. 

I have told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are must modify accounts that aren't reporting correctly.
Consumer complaint received 2023-03-04
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 XXXX XXXX account # XXXX, this account is a collections account has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXXp Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

HARD INQUIRIES : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX, NY XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I want these hard inquiries REMOVED!
Consumer complaint received 2023-07-05
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. (MA)

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
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

I am a victim of identity theft I made a report with you over a month ago and it was closed. I received a letter in the mail from you about credit report I made a report why did your company close it? I see a collection account from Receivable Performance management I never had any account with them and the credit bureaus asking for a report to investigate the account.
Consumer complaint received 2023-03-04
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights by reporting late payments to my consumer report. 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 did not give written instructions to furnish this account on my credit report. Furthmore, 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (IL)

An account that was in collections with a company called XXXX for an old cell phone through XXXX was re-aged on my credit report. I contacted XXXX and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called Convergent Outsourcing LLC and they have a date or account being opened as XX/XX/2017. I attempted to contact Convergent by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by XXXX and it seems they not only re-added the account they sold it to another company and that company re-aged it.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX, GA XXXX
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (TX)

on XX/XX/2023, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and Experian. Upon my further research, this account was transferred as Charged off i as a consumer is no longer by law responsible for this account after it has been transferred. 


In Accordance with the Fair act XXXX XXXX XXXX XXXX XXXX, has violated my rights/ 15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 2023-07-05
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. (TX)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit report is not mine. I am officially disputing the fraudulent information and requested an immediate investigation. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

This is XXXX XXXX account # XXXX. On XXXX and XXXX XX/XX/XXXX ; I deposited XXXX bank drafts online in the total amount of ( XXXX USD ) which was given by my real brother namely XXXX XXXX XXXX XXXX 

Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$3000.00} On XXXX XX/XX/XXXX I went to the Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX to withdraw my funds. I came to know that bank put a hold on my account due to suspicious activity which could be a potential fraud. I told the bank XXXX that my brother gave me those bank drafts because he borrowed XXXX USD from me a month ago and I issued XXXX cheques of XXXX each from the same account I deposited back. Cheque # XXXX, XXXX, XXXX The bank XXXX contacted customer service to resolve the issue. Then the compliance told me that my account has been closed due to that potential fraud. The only solution is that my brother should come to any chase bank branch to verify that he has issued those bank drafts. 
Unfortunately, my brother is not a XXXX Citizen yet and he needs XXXX XXXX   to visit the XXXX. He applied for XXXX XXXX  and the interview date was set for XXXX XX/XX/XXXX. But due to some reason, his file is still in process and he couldn't get the visa to date. 
I provided all the required documents through Fax ( from XXXX XXXX  ) to the Chase Bank compliance department to resolve this issue. It is understood and very clear that when the funds were released by the bank that issued the bank drafts and never got any complaint about those funds then that transaction can't be a potential fraud. Chase Bank have the funds for almost a year and is not releasing the funds. My brother is unable to visit USA so there should be another legal way to get his verification or affidavit through an attorney or lawyer in XXXX who can act on behalf of Chase Bank.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Attached you will find detailed dispute docs detailing the inaccuracy and the validity of the debt collection attempt. Let 1st say that this account was removed from my XXXX consumer report due to the company performing a thorough verification and validation. So I question what was your verfication process. I don't see anywhere that states where the account was last verified. I don't see a ( n ) account status on this report either so is it reporting open or closed. Account is showing a balance owed yet I have never receivied a 1099-c from the " original creditor ''. The dates last active on this reporting are egregiously inaccurate and of course according to US 1681 everything has to be 100 % accurate on my consumer report. How is that so if the account was properly investigated. I'm willing to battle this to no end to clear my name and preserve my positive consumer rating!! Delete this XXXX now!!
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. (WY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-05
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. (DE)

I am a natural person, I am a living being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

- 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 XXXXXXXX XXXX
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My mortgage was transferred to Mr cooper mortgage company on XX/XX/2018. To this day I am still unable to setup an online account and make a payment or set up auto pay. I have contacted the company at least five times by phone and social media. The first time I contacted them was late XXXX. Mr cooper has done nothing to make this right.
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (NJ)

-XX/XX/XXXX, I leased XXXX XXXX XXXX, lease terms 3 years and XXXX miles per year. financing company was BMW financial. lease ends on XX/XX/XXXX -XX/XX/XXXX, prior to my lease end, I entered into another lease for another XXXX XXXX XXXX, lease terms 3years and 15K miles per year. I have used BMW financial " pull ahead program '' which stated the following, BMW will " waive '' the last 3 payments and the lease disposition fee if I rolled my lease into another BMW. At that time I only had 2 payments left. 
-XX/XX/XXXX, I received my end of lease statement with a balance of {$3000.00} which included the last 2 payments {$2000.00}. however the lease disposition fee of {$350.00} was waived as stated " pull ahead program ''. I have contacted BMW financial and paid my portion of the that balance {$960.00} and explained to them the mistake on the statement. I followed up with registered letter on XX/XX/XXXX to state the same explaining that I followed their program. 
- on XX/XX/XXXX I received a letter informing me that the " remaining payments have been covered by the pull-ahead program '' and that I have a XXXX balance -on XX/XX/XXXX BMW financial reported me to the credit bureau as late 30 days. I came to find this out last week when my credit was pulled for a mortgage application. I have never had a single late payment in my life so this destroyed my score and lowered it. 
- In short, I have done everything in accordance with the agreement I signed but because of BMW financial negligence my credit has been destroyed. it is wrong and this company need to be held accountable.
Consumer complaint received 2024-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Statebridge Company (FL)

This XXXX with XXXX XXXX originated XX/XX/XXXX - We both suffered financial setback with jobs in XXXX and the loan became in default in late XXXX. On XXXX XXXX, we received correspondence from XXXX Mortgage ( we have the letter ) indicating the loan was scheduled to be charged off as a bad debt if not brought current. We were unable to bring the loan current. 
We received notifications randomly over the next several years of 'servicing transfers ' ( XXXX transfers ) ; however, there was no indication of collection activity being initiated, nor did we receive consistent monthly statements from any servicer. We have now been notified, on XX/XX/XXXX, that a foreclosure process has been initiated by a new servicer XXXX XXXX XXXX XXXX XXXX as owner XXXX of the XXXX XXXX XXXX, a XXXX XXXX XXXX, as servicer for the current mortgage holder STATEBRIDGE Company , LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we are represented by Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The original filing indicates we owed a principal balance of approx. XXXX plus interest, bringing the total to approximately XXXX. XXXX XXXX XXXX XXXX XXXX as owner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented by XXXX XXXX XXXX, XXXX has since removed the interest due because it was determined they were in violation of RESPA and TILA during the servicing and process. We have offered numerous settlements, the latest of {$27000.00} ; however, they will not accept a settlement and are requesting we either pay in full the $ XXXX they now claim we owe or sign a modification for that balance, inclusive of their attorney fees. 
The original note for this XXXX is missing and a lost note affidavit has been filed. Our attorney has filed several motions for them to provide servicing notes and all documentation since the inception of the loan ; however, XXXX attorney has not provided and responded with a filing indicating these are not necessary to provide in order to file a foreclosure. 
We dont think legal due diligence was followed over the years of servicing transfers and during this process they filed, which would deem this debt uncollectable. Also, with admitted violations of RESPA and TILA, in addition to the Charge off letter originally received in XXXX, we believe an offer of settlement for XXXX is more than enough to finalize this. This XXXX falls into the category of XXXX Mortgage, FDCPA and FCCPA. 
We ask for your assistance and suggestions in this matter as to how this can be resolved. We are attaching the charge off letter form XXXX but can provide numerous documents per your request. Also, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX