davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I previously filed case number XXXX to which Mr cooper responded with a respa response to notice of error. They also claimed to have sent corrective paperwork to HUD and that i needed to wait 3 weeks to get an update and for hud to clear the partial claim lien recorded. 

It has been 3 weeks now and I have discovered that I WAS in fact lied to and based on the tracking number provided to me in the previous case it has been determined that nothing was in fact sent to HUD. I also confirmed this with a manager at Mr cooper who stated that it was beyond her control. 

At this point I am being insulted and am beyond furious. I will begin to file a civil lawsuit for dmages up to the max amount allowed as this issue has been a thorn in my side since XXXX and it is disgusting that they used a RESPA notice to try and weasel out of resolving this and then slow rolling. 

I am demanding that this issue be escalated and resolved within 7 calendar days otherwise i will file as many lawsuits as humanly possible including any form of class action suit i can legally file to get this handled and get my money back. This is a joke of a company and i wish my loan was never passed on to them. it is disgusting that they have been able to operate this way and for so long and i cant imagine how many other innocent families have been harmed by their careless antics. 

I am out XXXX because of their negligence and in this economy that is not small change. on top of that, let it be the other way and i'm sure they would do everything in their power to make sure i was homeless because thats how corporate greed works. 

Here is the tracking number provided in the previous case and here is a screenshot from XXXX  showing nothing having been done.
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (MS)

I held a private vehicle loan with Truist Financial Bank holding Company, headquartered in North Carolina. The loan value was for {$36000.00} for a XXXX XXXX XXXX. On or about XX/XX/XXXX, I refinanced my home and paid off the Truist Loan in full. After waiting approximately XXXX month, I realized I never received my title / lien release. I contacted Truist on or about XX/XX/XXXX to inquire about the missing title. I was advised that the title was mailed on XX/XX/XXXX. However, it was never received. I requested a new copy of the title on that same day to which I was assured that a new title would be forthcoming. On XX/XX/XXXX, I still have not received the title as demanded and contacted Truist. They showed no record of my calling on or about XX/XX/XXXX and had no record of a new title being mailed. I have now requested a new title to which Truist representative advised they could only provide a release and I will have to visit a local Department XXXX XXXX XXXX to have a new title issued. This is absolutely absurd and a predatory consumer issue.
Consumer complaint received 2023-08-16
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I.Q . Data International , Inc. is at tempting to collect an invalid debt from me. On  XXXX   XXXX ,    2017, IQD sent me a collection letter. In the letter, IQD stated, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or a copy of a judgment and mail you a copy of such judgment or verification. '' Shortly after receiving the letter from IQD ( within 30 days ), I sent a letter to IQD informing them that the debt was invalid and to cease collection efforts. Subsequently, IQD did n ot mail me " a copy of such judgment or verification '' and sent a second collection letter on  XXXX   XXXX ,  2017 .
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (NJ)

I have called & mailed letters to Equifax XXXX XXXX about XXXX accounts ( XXXX & XXXX ) that is being reported on my credit file that I have late payments on a charge off account. Both the " charge off '' and the " late payments '' reporting are inaccurate and have caused me extreme difficulties my everyday life. I have made several attempts to remind them of their duty of code 15 USC 1681a ( d ) which states as a consumer I am due, promised accuracy & fairness on my credit report based on federal law. per 15 USC 1666b late payments are illegal so are late payments. Per the IRS publication XXXX of debt are to be reported as income on on form 1099C. So why is income being reported on my credit report. a company can not report both income and a debt, I request them to remove these 2 accounts or update good standing as it is still reporting inaccurately. Plus all remove all old address my one and only address is XXXX XXXX XXXX, XXXX, NJ XXXX also to remove from my file any inquiry that is not attached to an open account.
Consumer complaint received 2022-12-05
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-08-16
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-17
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. (OH)

I have tried to resolve these issues countless times with compelling evidence. The bureaus state that they have verified these issues and they have never send the original contract needed to prove their investigation. According to 15 USC 1681 ( I ) ... they must prove Accuracy. No debt collector can report to the bureau as the original creditor... XXXX XXXX any such entity that are not the original creditor by law can report my financial issues.. because their not the creditor .. XXXX XXXX XXXX has been paid..I have the XXXX because I had XXXX XXXX the debt was paid. And any and all Inquiries must be removed.. 15 USC 1681..I have the right to privacy ... This was a Consumer Transaction.
Consumer complaint received 2022-11-03
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. (FL)

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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Equifax # XXXX 1

5 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 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 2022-11-03
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. (CA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-26
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. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 2022-11-03
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5800.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5100.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$2300.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$1800.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 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. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-03
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5800.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5100.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$2300.00} has violated my right. 

Account XXXX : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$1800.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 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. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-03
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. (FL)

On XX/XX/XXXX, I spoke with personnel from Experian, XXXX, and XXXX about the possibility that fraudulent accounts may have been recorded on my consumer file. Since I didn't know how the accounts got there or anything about them, I urged them to erase them. I was given the go-ahead by all three companies to file the necessary documentation and finish the FTC report XXXX I sent my letters by certified mail on XX/XX/XXXX. Despite the fact that the accounts are not mine and had been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' Since it hinders my family and I from making purchases, this issue has me perplexed and annoyed. I contacted all three businesses once more on XX/XX/XXXX and inquired as to how they could confirm that these accounts belonged to me. They merely told me to get in touch with the creditors directly and said they couldn't help any further. When I tried to contact each creditor who had been falsely claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had exhausted all of my alternatives, so I turned to the CFPB website, which some of my friends had suggested I check out in my predicament. Since my family and I are attempting to submit an application for a house, I genuinely hope that this is useful.
Consumer complaint received 2022-11-03
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. (IL)

Over the last 1.5 years I have sent multiple certified letters to XXXX, XXXX, and Transunion requesting that they validate the inaccurate derogatory accounts on my account. However, every time the credit bureaus responded the accounts were validated, but the information listed on my credit report is inaccurate. This has caused me a great deal of stress and money. 

According to the Fair Credit Reporting Act ( FCRA ), If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2022-11-03
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. (LA)

EXPERIAN FAILURE TO UPDATE RELATIVE POHONE AND CONTACT INFORMATION FOR THE CONSUMERS FRAUD ALERT INFORMATION DESPITE REPEAT SUBMISSIONS TO EXPERIAN TO CORRECT THE INACCURATE AND INCORRECT INFORMATION.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (OH)

I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax did not make sure it was reporting 100 % correct. 

The Fair Credit Reporting Act states that everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I sent a letter to Equifax in XX/XX/2022 requesting them to remove this inaccurate information. They replied that these accounts were investigated and came back as verified, without stating who conducted the investigation, their process or how they were able to find that these accounts were valid when there's obvious inaccuracies showing on my report. 

As a consumer, I now request to know all the steps Equifax took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I also would like to be sent a copy of the following documentation that would need to be had to prove that these accounts are valid : The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance Who verified these accounts? ( Provide the department and Supervisor contact information ) How were these items verified? 
The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance
Consumer complaint received 2022-11-03
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. (PA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-06-07
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On or about XXXX XX/XX/2022 I contacted several insurance companies about auto insurance. My current auto policy is do for renewal so I am shopping around. I received several quote that are substantially higher than my current rate. The agents told me that I had several auto accidents and citations on my driving record. They told me they where getting this information from Trans Union True Risk. I contacted the FL DMV to verify there was not accidents nor citations on my diving record. I tried to contact TransUnion but they told me they do not report driving records. They told me that they know nothing about True Risk. I contacted TransUnion True Risk. They referred me to TransUnion representatives who told me again they do not collect driving information. https : //www.transunion.com/product/truerisk Trans Union will not provide me with the information their True Risk division has collected on me. There is no way to contact Trans Unions True Risk Division.
Consumer complaint received 2022-10-29
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. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$16000.00}.