davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I am currently in the process of buying a home as a co-borrower. I am experiencing issues with my XXXX XXXX credit report. When my credit is pulled by a PenFed, there is an alert that comes up to verify my information. The phone number that comes up, does not belong to me, I was a victim of identity theft as a minor and disclaimers and phone numbers were added to my account by my guardian. I have clarified this with PenFed. The number that was provided to XXXX  does not belong to me. I have also reached out to XXXX XXXX several times who have told me that no such number is associated with my account, and that they will remove all comments and alerts so that PenFed can process the request. PenFed has attempted to process my credit multiple times, and this number continues to show up. I received a letter from PenFed saying that if I dont resolve this issue, my loan will be denied. I have reached out to XXXX XXXX multiple times, and they have assured me that there is no issue on their end, and that this is a PenFed issue. PenFed is telling me there is nothing they can do and I need to take care of it myself. I am stuck in the middle between two companies who are unwilling to help me and it seems that I am going to lose a home in the process because of a computer glitch.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-13
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. (PA)

Account info Account name XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$1800.00} as of XX/XX/XXXX Monthly payment - Original balance {$2000.00} Highest balance - Terms XXXX  Months On record until XX/XX/XXXX Payment history XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due XXXX  days XXXX Past due XXXX  days XXXX Past due XXXX  days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX  days past due as of XXXX  XXXX XXXX XXXX past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 
Historical info Company sold XXXX XXXX XXXX  Balance history XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional infoThe original amount of this account was {$2000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Comment Current : Purchased by another lender. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2023-08-13
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. (NY)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-01
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. (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 2023-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

This company is reporting inaccuracies on my credit report monthly. I have contacted them about this account and their inaccuracies. The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies . By this company reporting immaculate information on my account, this has prevented me from moving forward to purchase a home. This account needs to be removed from my credit report. My credit laws are being violated and I want this account removed immediately.
Consumer complaint received 2023-08-14
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)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (TX)

My name is 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 accounts. 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I want to unfreeze my credit. When i log in to access my account so that i can lift my freeze, the first page i encounter upon logging in is https : //usa.experian.comXXXX which prompts you to move forward with a credit report and the page following that prompts you to place an order using your SSN. Any other links working links on the webpage kick you back to the home page and you have to initiate a log in again. 

I simply want to unfreeze my credit. I do not want to place an order for a credit report and unfortunately, I'm being blocked from accessing my account so that i can manage a freeze on my credit. It seems that Experian is manipulating their webpage so that you HAVE to order/purchase services from them in order to access an account/basic functions. Additionally, the terms of the order/purchase are not available on the webpage so it is unclear if i am moving forward with a one-time request or if i am being enrolled into a service that will accrue fees. 

I have not purchased services from Experian. A while back, I created an account for the sole purpose of managing a freeze on my credit. 

I attempted to call customer support and provided information to verify my identity ( automated call ), however, i am relegated to 'self service ' which only tells me that i can manage my freeze through my account online. I am not able to speak with a person directly about this issue or receive support moving forward with removing the freeze.
Consumer complaint received 2023-04-15
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: 2288984 Ontario Inc. (ID)

I have disputed this XXXX account that's on all 3  credit Bureau 's that says I owe XXXX, it came back that it is my account by the consumer. So I called the collection agency and I have the call recorded which I told them I was a recording so I wasn't doing anything wrong. First I was hung up on 2 times because the people couldn't find my account through my name or social security number. I was so upset that my fianc called back and spoke with them. To which again they said we can't find her account there is nothing listed for her. He and I both said then you need to take this off her credit reports, you can even find the account. to which their response was to hang up a third time. I called XXXX and was on the phone for 3 hours trying to get this removed off my credit report and they said dispute it again, which I did and the company cam back saying the account was valid. I asked XXXX where was this opened at? They said in XXXX, I have never lived and XXXX and followed up with how is it that I opened an account with XXXX which since has been removed off my report in XXXX XXXX  then 2 months later open another account with XXXX in XXXXXXXX. It shows all over my credit bureaus that I'm a victim of identity theft. I just found out yesterday that this person filed tax returns in my name which I will be filing a police report. But this company needs to remove this off. my credit bureaus. Ive done everything I can and I'm getting no where. It's XXXX XXXX. XXXX
Consumer complaint received 2023-08-13
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. (OH)

Notice of default and opportunity to cure. 
Official statement from XXXX XXXX XXXX to XXXX XXXX and Experian credit services This is a follow up and legal document in pursuit of lawsuit versus XXXX XXXX and Experian credit services. 
All companies were notified in the month of XXXX XXXX XXXX XXXX XXXX and XXXX Of fraudulent accounts reporting on the credit profile for XXXX XXXX XXXX. The following account XXXXXXXX XXXX late payment, tally XXXX and XXXX XXXX was all fraudulent reported as of today, the only company that has removed some of the accounts is XXXX XXXX, they have removed all accounts except for XXXXXXXX and XXXX. 
XXXX and Experian have refused to remove all fraudulent accounts. 
The consumer XXXX XXXX XXXX has been forced to move Forward with legal action this is a notice for evidence and an opportunity to cure. 
All agencies and companies have 14 days to remove the fraudulent accounts from the credit profile of XXXX XXXX, XXXX or comply with legal action. 
Please be aware that All credit agencies Has failed to properly respond to previous legal notice and it's officially in commercial default. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Do too covid a new payment agreement was made do too do everything closing down. A lump some of money was paid over XXXX dollars is what they ask for too make the agreement of paying XXXX dollars a month. The company verbal agreed too this dollar amount and I ask for this Agreement too also be sent by mail. They did not do so the payments has been paid on time every month and there still reporting all payments late. From XXXX until now of XXXX I have requested over and over for them too change they refused too and said the payment is still late! If there is agreement of change of payment I asked how are the payments late you are getting paid every month on time and the payments are on automatic withdrawal how can it be late the whole world was shut down and the payments was still being paid do too hard ship not working they agreed upon XXXX dollars a month and no payments have been missed According too code 1666b and code s1006,18 is a violation I have reported this info too credit agencies about this and I was told the information was correct well I have information that shows different not only that they reported the information late every month they also tack on late fees as wellso not only they reported the payments late every month they also add on extra fees for late payments I have called the company about this more than once and they refuse too report the correct information this has effect my way of living as well reporting false information
Consumer complaint received 2023-08-14
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 seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2020 from XXXX XXXX XXXX XXXX account XXXX. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.
Consumer complaint received 2023-09-01
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. (TX)

Entries on my consumer report have been wrongly tied to identity theft. I did not give written consent, including a physical signature, for these items to appear. I've previously alerted your organization about this situation. Now, I'm formally urging the swift removal and blocking of these accounts from my report. Their erroneous presence has inflicted both emotional and financial harm, misrepresenting my financial history and obligations. Should this matter remain unresolved, I'm ready to pursue legal avenues to safeguard my rights and obtain redress. This misrepresentation on my credit report has adversely affected pivotal financial pursuits, like buying a home and supporting my family 's necessities.
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

On XXXX XXXX, XXXX, Nation Star Mortgage took over the servicing of our home mortgage from XXXX XXXX XXXX. When XXXX XXXX XXXX was servicing our loan, our monthly escrow payment was calculated at {$860.00}. On a yearly basis, the amount we have been depositing into our escrow account has been {$10000.00}. 

We were completely startled and caught off guard when Nation Star, based on their XXXX XXXX, XXXX analysis of our escrow account, aggressively increased our expected monthly escrow payments from {$860.00} to {$1000.00} in XXXX of XXXX. Our assumption is that for XXXX, our escrow balance is expected to cover what it has always covered : Property Taxes, School District Taxes, Homeowners Insurance and PMI. We have seen no corresponding increases in our yearly responsibilities that come anywhere near requiring an extra {$1700.00} be deposited into our escrow account. 

In looking back on previous years ' expenses that escrow is expected to cover, below are the total expenses for XXXX and XXXX. In addition, below are draft expectations on where XXXX will end up. ( Note : some of those expenses for XXXX have already been confirmed. ) In XXXX, the numbers were as follows : Property Taxes : {$3100.00} School District Taxes : {$4700.00} Home Owners Insurance : {$830.00} PMI : {$1400.00} Total Escrow Payments : {$10000.00} In XXXX, the numbers were as follows : Property Taxes {$3300.00} School District Taxes : {$4900.00} Home Owners Insurance : {$810.00} PMI : {$1400.00} Total Escrow Payments : {$10000.00} In XXXX, our expected numbers ( based on the recent school budget vote ) Property Taxes : {$3200.00} ( see attached ) School District Taxes : {$4900.00} ( based on recent school budget vote, no expected increase ) Home Owners Insurance : {$940.00} PMI : {$1400.00} Estimated Total Escrow Payments : {$10000.00} Based on that math, our escrow payments for XXXX should average {$870.00}. There exists no mathematical evidence as to why NationStar Mortgage has aggressively escalated our monthly escrow payments to $ XXXXmonth without any corresponding increases in the accounts that our escrow balance is expected to cover. I spoke with a NationStar customer service representative that could not clearly explain the mathematical reasons as to why NationStar is requiring that we deposit an additional {$1700.00} into our escrow account without any corresponding increases. 

We felt it was incumbent on our family to file a complaint directly with the Consumer Finance Protection Bureau as to NationStar 's policies involving escrow payments.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Nationstar Mortgage charged me a late fee and reported my payment as late illegally. I have a copy of the cancelled check which shows clearly that my check was received before the late payment date. They refused to remove the late payment and if they reported it to credit bureaus then my perfect payment record is marred by this " late payment ''.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$100.00}
Consumer complaint received 2023-08-14
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 seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.