davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
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. (LA)

I disputed a bankruptcy account on my credit report with XXXX and Equifax Information Services LLC. Both XXXX and Equifax Information services said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, XXXX XXXX, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, Equifax nor XXXX is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified information.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

For the XXXX time in the 26 months since taking over servicing of our mortgage, Nationstar Mortgage has failed to provide a monthly mortgage statement. This follows previous complaints about this same issue, with the first XXXX filed with the CFPB on XXXX XXXX, XXXX as Case number XXXX. The first complaint concerned not providing mortgage statements in XXXX and XXXX of XXXX. Nationstar then did not provide mortgage statements in XXXX and XXXX XXXX, and XXXX XXXX. That caused us to file complaint number XXXX on XXXX XXXX, XXXX. We subsequently also filed a complaint over the failure to provide the disclosures required by 12 CFR 1026.20 ( d ) between 210 and 240 days prior to the reset of a mortgage payment, and Nationstar refusing to provide a copy of the Note with " any modifications thereto '' as required by California Civil Code section 2943 ( b ). 

12 CFR 1026.41 provides the exceptions to providing a monthly statement, and our case does not fall within any of the exceptions. Nationstar has cited the existence of litigation as their excuse for not sending the required statements, but in our situation, only a filing of bankruptcy by a borrower provides a reason for not providing a mortgage statement. We have never filed bankruptcy.
Consumer complaint received 2024-01-02
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: TD BANK US HOLDING COMPANY (MA)

We moved from XXXX XXXX XXXX XXXX  and have been trying to get TDAutoFinance to release our title to our new insurance company. 
I messaged TD via their portal XX/XX/XXXX to update them that we have moved and need to register our car in XXXX On XX/XX/XXXX I updated our address with them to reflect the move the XXXX and asked our insurance company to request the title to proceed with registration. By XXXX, nothing had happened despite calls and messages so the insurance company re-requested the title XX/XX/XXXX. 
In the interim, TD has given me multiple stories over multiple calls center and multiple hours and still WE HAVE NO TITLE. It is now XX/XX/XXXX. This has been going on for XXXX months. We are required by law to register our car in XXXX  but TD is impeding our ability to do so! Also, we have not finished paying off the loan but I couldn't find a better option.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. Account name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate. The date of service is XX/XX/XXXX and also XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-08-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of information on my credit report, in accordance with 15 U.S.C. 1681 and U.S.C. 1692G ( 5 ) ( B ). I believe that the following accounts and information are incorrect and should be removed : 1. Collection Account : [ Account Number XXXX ] [ Explain why this collection account is inaccurate, e.g., not owned by me, incorrect amount, etc. ] 2. Late Payment Account Name XXXX ] [ Explain why this late payment account is inaccurate, e.g., payment was made on time, so please update as paid as agreed ] 3. Incorrect Address : [ Address XXXX XXXX XXXX XXXX XXXX, IL XXXX ] [ Explain why this address does not belong to me and should be removed from my credit report. ] I request that you conduct a thorough investigation into these matters as outlined in 15 U.S.C. 1681i. Please provide me with a written explanation of your findings and any actions taken to rectify the inaccuracies.

I am relying on the protections provided by 15 U.S.C. 1681s2 to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and your commitment to upholding the integrity of credit reporting.

Sincerely,
Consumer complaint received 2023-08-23
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)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (MI)

I had a fraud issue and had a copy of my credit report pulled. After review mistakes were found. Please note under 15 USC 1681b, I never had a communication with XXXX credit card company and had never gave permission placing disclosing on my credit history.
Consumer complaint received 2023-08-17
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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
Consumer complaint received 2023-08-23
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. (NJ)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2022-04-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services (NY)

Company has continuously contacted me about an alleged debt, I have received numerous letters and phone calls with obscene and profane language causing me anxiety and mental anguish. Company has also reported false and inaccurate information on my consumer report further damaging my reputation and causing me irreparable financial loss. 

Please see attachments below
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

My employers address is listed on my personal report. I have asked all three bureau 's to remove this from my report as it causes confusion. Experian simply refuses to remove it. They aren't even responding. I have written multiple letters and submitted disputes on their website.
Consumer complaint received 2023-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MA)

I didnt know I owed XXXX XXXX XXXX any money from testing completed in XXXX. Received letter from Transworld Systems , Inc dated XX/XX/XXXX with notification that I owed {$88.00} ( {$67.00} + {$20.00} interest acrued from XXXX ). When I asked for verification of the debt owed, they sent me a copy of a statement from XXXX XXXX XXXX dated XX/XX/XXXX. The statement total balance is {$67.00}. I sent Transworld Systems, Inc a check for XX/XX/XXXX statement from XXXX XXXX XXXX to pay the amount ( {$67.00} ) in full from that statement.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

DEAR CFPB ; XXXX ; EQUIFAX ; AND XXXX ; SEE ATTACHMENTS - I'm not sure who to talk to anymore, but i have been trying to get this alleged negative public item from my credit report, because it's unverifiable, incomplete, and has multiple inaccuracies. I actually contacted the clerk at the courthouse and attached is proof that they don't report any consumer info to the credit reporting agency. There is no way that they can say that it was verified. 

The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2023-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OR)

On your XX/XX/XXXX I received in my cash app I deposit for {$1.00}, XXXX an hour after this deposit my money was transferred to somebody else 's account. I filed a complaint with cash app on XX/XX/XXXX. 2 days later I called to check the status and they had no record of me ever filing a complaint. So I filed another complaint today XX/XX/XXXX I called again to check the status of my complaint and was informed that my complaint had been closed and they would not tell me anything about anything but I was hung up on. I received three emails from cash app asking me to send complete answers to the questions they asked I can enclosed copies of those I answered the questions and then I received the same email again. So I called Cash app again to a different operator and filed another complaint today XX/XX/XXXX. Since my money has been removed from my account my gas has been shut off for inability to pay it in my light bill is actually also fixing to get shut off for inability to pay it because they will not return my money.
Consumer complaint received 2023-08-17
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-12-09
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. (GA)

My complaint is in reference to the immediate removal of late payment entries from my Equifax credit report as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. I believe these late payments are the result of a clerical error or misunderstanding. Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to change these erroneous late payments to update to paid as agreed never late or deletion of the late payment ratings. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made. 

Equifax has violated my rights by under 15 USC 1681 by reporting the following late payments on my consumer report : XXXX XXXX XXXX  : # XXXX XX/XX/XXXX, 30 days late, XXXX XXXX # XXXX XX/XX/XXXX XXXX days late, XXXX 30 days late XXXX XXXX  XXXX XXXX XXXX days late, XXXX days late, XXXX days XXXX days late XXXX  XXXX  # XXXX XX/XX/XXXX 30 days late XXXX XXXX  # XXXX XXXX days XXXX 30 days late XXXX XXXX  # XXXX days late, XXXX days late, XXXX days late XXXX  XXXX XXXX XXXX # XXXX days XXXX days late XXXX XXXX  XXXX  # XXXX XXXX XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late, XXXX days late, XXXX days late XXXX Mortgage XXXX XXXX # XXXX XXXX days XXXX days late, XXXX days XXXX days late, XXXX XXXX XXXX XXXX XXXX days XXXX days late, XXXX days late, XXXX days late XXXX XXXX XXXX # XXXX XXXX of the following dates are showing a rating of 30 days late : XX/XX/XXXX, XXXX The following dates are showing a rating of 60 days XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  # XXXX XXXX days late, XXXX days late, XXXX days late XXXX # XXXX XXXX days late
Consumer complaint received 2024-04-04
Product: Credit reporting 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)

This account from XXXX XXXX XXXX in the amount of {$18000.00}, does not belong to me and currently is in LITIGATION. " I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact exists ''
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I gave my 30 day notice to my former apartment complex, which they received and were given keys as well in person XX/XX/20. We moved due to a Roach infestation that has been an issue since the very first week of moving there and we were convinced the property had no roaches and told its not the buildings fault, however every unit had roaches. The manager was extremely rude my entire time in this building and would not speak to me but only to my partner because he spoke XXXX. She would yell at me, degrade me and make disrespectful comments to my family. We lived there for 2 years and the building was not maintained, rent always increased and multiple times without notice, and now that weve moved during Covid because of the roach issue and we were accepted to participate in the ERAS rent relief program with XXXX city who worked directly with the manager and now I see a collections report of over XXXX owed which was never even mentioned, they never returned our deposit to us, nor is it possible to owe them that much money. I was never notified of this until I saw it show up on my credit report. This company has done multiple illegal issues throughout our time living there and I can not pay that amount, especially when it is not accurate and I dont know why it is there.please help.