davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-08
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. (TX)

On XX/XX/2018 I wrote to Transunion explaining to them that I had inquiries on my report which I did not make. Transunion is aware that I am a victim of identity theft. Transunion also has a copy of my police report validating that I am a victim of identity theft and fraud, as well as my identity Theft affidavit from the FTC. Transunion is reluctant in removing these inquiries which are damaging my good name. Why am I being punished for what someone else has done to me? This whole experience has already been very emotional and traumatizing. Why isn't Transunion willing to help me when I am the victim?
Consumer complaint received 2015-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I have repeatedly provided IQ Data with my bankruptcy paperwork, and XXXX with the paperwork required. This was on my bankruptcy in 2008 and has been discharged. No matter how many times I tell these people this has been discharged they will not saying it is an open collection and will not remove it from my credit report. The people are rude and aggressive and I have had enough.
Consumer complaint received 2023-05-24
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. (NY)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (FL)

I recently discovered that a collection I paid was not mines. I will be suing the collection company to recover my funds However, I attempted previously to have item removed by XXXX and received a letter from stating the account was verified as accurate. I request written verification or removed accordingly. Again, I sent XXXX a letter which they received XX/XX/XXXX via certified. I ask them to remove the unverified collection account or to provide written verification documentation. I knew they would not be able to provide proof because the debt was not mine. I also reached out to XXXX and they recognizes this and removed the collection immediately. I have not received written verification because it does not exist and the collection continues to be reported. 

Experian has also failed to provide WRITTEN VERIFICATION, not false certification by XXXX, but by a signed agreement or legal document with my signature or voice authorizing the amount they claim is past due in collection.
Consumer complaint received 2023-05-27
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. (OH)

Subject : Formal Complaint - Inaccurate Verification of Debt by TransUnion For whomever this XXXX concern, I am writing to file a formal complaint against TransUnion regarding the accuracy of their debt verification process, as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ). 

Recently, I discovered an erroneous debt on my credit report ( " XXXX XXXX, XXXX XXXX XXXX XXXX '' as listed with company on my credit report ), which was initially verified by TransUnion. However, another reputable credit bureau company subsequently verified this debt as invalid and promptly removed it from my credit report. I must highlight that TransUnion verified this debt without providing any substantial information to validate its authenticity. 

The absence of a wet signature or a clear date associated with this debt raises serious concerns about its legitimacy. I would like to bring to your attention several relevant legal cases, such as XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, wherein the respective credit bureau companies were held accountable for their failure to properly validate similar debts. 

According to the FCRA, it is mandated by law for credit bureaus to conduct a reasonable investigation upon receiving a dispute from a consumer. In this particular instance, TransUnion has failed to meet this legal obligation, as they neglected to perform a thorough investigation into the disputed debt. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate actions to ensure compliance with the FCRA by TransUnion. Furthermore, I would appreciate your assistance in rectifying this situation promptly, as the inaccurate reporting of this debt has had a negative impact on my creditworthiness and financial well-being. 

Enclosed with this complaint, you will find copies of all relevant documentation supporting my claim, including the deletion confirmation from the other credit bureau company. 

I trust that the Consumer Financial Protection Bureau will handle this complaint with the utmost seriousness and work towards resolving the issue effectively. I eagerly await your prompt response and a resolution that upholds the principles of fairness and accuracy outlined in the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-25
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: SANTANDER HOLDINGS USA, INC. (FL)

I received a loan for the purchase of a boat in XXXX from XXXX XXXX, a division of Santander USA. I paid the loan in full in XXXX of XXXX. 

The boat was documented with the Department of Homeland SecurityXXXX XXXX and did not have a state title. 

The boat was sold in XXXX of this year. When I requested the documentation/title be changed with the XXXX XXXX to the new owner I found that there was an open lien with XXXX XXXX as trustee servicer for XXXX XXXX. The bank has sent a lien release to the XXXX XXXX but has not included the legal description of the person signing the lien release. Because of the lacking legal description the XXXX XXXX will not accept the lien release and I am unable to transfer title to the new owner.
Consumer complaint received 2023-05-26
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: NAVY FEDERAL CREDIT UNION (NC)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

I have recently gotten into looking at my credit report for the first time in my life, over the last 6 months. Ive been in and out of the United States 3 times of the last 4 years, due to my XXXX. I have recognized many fraudulent items opened in my name. The only Navy federal account I had was my Auto Loan with them. 

The Navy Federal Credit Union account ending in XXXX was opened by someone other than me. 

Additionally it has been a charge off, but XXXX has recently reported it as opened. It can not be a charge off and open account.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On or about XX/XX/XXXX I submitted a claim against Bank of America with the CFPB stating how my consumer rights were violated and how I would like to exercise my right to rescind the transaction for my auto loan. I received threatening letters about repossession and even a few phone calls. After the case with CFPB was closed and I received a rebuttal from Bank of America representative XXXX XXXX ( Resolution Specialist Regulatory Complaints ) which stated " we have determined that no bank error occurred in the management of your loan. Bank of America respectfully declines your request for a refund due to you agreed to all disclosures at time of application and by signing the contract. Additionally, you agreed to a secured loan with vehicle ending XXXX as collateral ; therefore title will not be released while there are remaining payments on the account. '' My complaint is, I was not properly serviced in my " loan '' transaction. According to 16 CFR 433.1 ( d ) Purchase money loan is a " Cash Advance '' which is received by a consumer in return for a " Finance Charge '' within the means of the Truth In Lending Act, which is applied, in whole or substantial part to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common Control, Contract or Business arrangement. XXXX XXXX XXXX says right in his statement that the vehicle is collateral, well what did I receive in return for the collateral? I did not receive my cash advance in my transaction, therefore because one violation makes the contract null and void I should still be in possession of the XXXX XXXX XXXX. 

On XX/XX/XXXX a towing company by the name of XXXX XXXX XXXX XXXX XXXX came to a parking lot I had the car and towed it away on behalf of Bank of America. Under 15 US Code 1692f ( 6 ) Unfair Practices, Bank of America violated my right by taking non judicial action to effect disposition or disablement of the property ( Vehicle ) because there were no present right to possession of property claimed as collateral through an enforceable security interest. Also 15 US code 6802 ( b ) ( 1 ) states, A financial Institution may not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX XXXX XXXX XXXX is a nonaffiliated third party. 

In closing I would like Bank of America to return the Vehicle back to me along with the title and refund me the amount paid to them suming in {$7500.00}. 


I will be mailing in remainder of proof because I couldn't upload them all.
Consumer complaint received 2023-08-31
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. (PA)

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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some Personal Information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-24
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. (IL)

I have contacted the consumer reporting agency several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and they are aware of this. This is aggravated identity theft.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (SC)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-05-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 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 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Fell behind on mortgage due to covid. Applied for assistance like forbearance twice. Denied. Paid for new appraisal to drop PMI Denied. Paid off home and was charged thousands in foreclosure fees but letter received stated I could get assistance before they proceed with foreclosure. Took weeks after check was received by them to process payoff.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My mortgage account with XXXX XXXX XXXX Account XXXX XXXX is incorrectly reporting as delinquent. My account is currently protected under the Covid Forbarance Act. As a result, the information listed is inaccurate and should not be reported as 90 days past due. Attached is a letter from the Mortage vendor to support this claim.

In accordance with the Fair Credit Reporting Act, the listed accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 2023-05-24
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. (AZ)

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Accounts I did not authorize that show closed but not XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX
Consumer complaint received 2016-10-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I closed on a home XXXX/XXXX/16 and Nationstar was my assigned mortgage company. I have received nothing but INCOMPETENT mortgage servicing of my loan since then ranging from mis-sending my mortgage payment twice, ignoring customer input on payment coupon twice, paying my homeowners insurance twice and recently misapplication of funds. I 'm tired of babysitting my mortgage company.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (IL)

Despite my consistent track record of making timely payments, I am distressed to find that the credit bureau is reporting me as being late. I would like to emphasize that I have never been late on these accounts, and I urge the bureau to commence an investigation to rectify this inaccurate reporting promptly.
Consumer complaint received 2023-05-23
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. (CA)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXXXXXX # XXXX as closed 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 : 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 crime 's 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXXXXXX Balance Owed : {$96.00} XXXX XXXX XXXX XXXX* Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo Mortgage to discuss with them about going back to school and possibly modifying my home loan. I was informed it had to be delinquent. I was also made known it would proably take a couple of weeks. I immediately submitted to them all the documentation requested. 
I was asked XXXX time to submit a document after the initail submission and I did the very next day. 
The XXXX date of contact was XXXX. The Bank took as long as possible dragging my credit into a bad negative rating. I was told approx. 2 weeks. My XXXX payment was due XXXX XXXX 2014 for the XXXX Modification payment. I called and called and called. They did not care. They sent me {$1000.00} for the inconvience. I ask them to correct my credit because its their fault! They have said they would listen to recordings and get back to me. I have received numerous letters informing me it will take longer. If they listen to the recordings they will see I am correct! I signed a letter stating it would affect my credit, Yes but 1 month not XXXX. The represenative working with the modification said on a recorded message 2 weeks. I want my credit report as well as my brothers ( XXXX XXXX ) whom signs on the loan with me to be leagally corrected. 
They have ignored XXXX lied about this issue over and overXXXX XXXX XXXX
Consumer complaint received 2024-03-27
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)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX