davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IN)

On XXXX the first I was told I had to do a loan modification to keep my home I was behind 90 days they refused to help me get caught up on XXXX XXXX XXXX I was rushed to the hospital XXXX .so any way then on the not XXXX I was issued a terrible attorney letter from XXXX XXXX XXXX XXXX Indiana then on the XXXX of XXXX I was sued by nationstar from the court I had a case number so I called nationstar so they told me numerous times to diss regulars any letters from the court I was in a loan modification well after another hospital stay and XXXX I went to a XXXX seminar they told me to file a complaint that all these fees XXXX dollars in attorney fees etc is all illegal they are helping me to work this out but I was vey XXXX and have XXXX of equity and these people wants to push me out of my home with my XXXX XXXX XXXX mother I the care of I have filed a complaint XXXX as well Indiana my loan number is XXXX I did n't even want a loan modification then I get a phone call today I have been denied XXXX XXXX XXXX and to keep my home I now need a crazy figure my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am working with the get XXXX program with my state and they are going to help me but they told me to file this complaint beaus why thy di under my loan modification was illegal
Consumer complaint received 2015-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

I have a mortgage loan with Nationstar. The legal description for the property on the loan needs to be corrected. Nationstar refuses to make the correction or give any answer as to why they will not change the legal description. The legal description on the loan is for the property next door to the property that the mortgage is for. I need to know how to have this corrected and Nationstar will not provide that information either.
Consumer complaint received 2016-06-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have Portfolio recovery trying to collect a debt that is not on my credit report because it was removed and determined not to be mine over 14 years ago. They continue to harass me about it. I made the mistake of paying them on a debt by using my checking account and now they have it on file. They have filed a warrant in debt on me after I agreed to pay them and they still sent my debt to court. It was a waste of my time and court because it was dismissed because it was paid. They are threatening to send the paperwork to court. I explained this debt is not mine and it was determined years ago. They said we do n't care you got to pay us. XXXX person name was XXXX and the other name XXXX (? ) she said it so fast and when I asked her to repeat it she refused. They are calling me about old debt. I do have XXXX debt I am paying on with them but I feel like they are adding stuff that does n't belong to me because I have paid other debt that I was behind on. The debt is from XXXX XXXX, who i think maybe another collection agency for {$8500.00}.
Consumer complaint received 2015-12-16
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Sands Recovery Group (RI)

Should be marked as other. Mainly, Sands Recovery is a debt buyer who has chosen a path of purchasing debt accounts without properly validating such debts. There is no debt here, no chain of title back to the lender. It is unclear if they sold the debt or assigned it to a separate company for servicing. Sands and XXXX XXXX XXXX should be looked into for not validating the accounts prior to selling to the next entity.
Consumer complaint received 2015-04-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (IL)

We are trying to refinance our interest only mortgage. This mortgage was obtained in 2007 with XXXX. When the mortgage was originated the house address was incorrect. At closing I told the title company the address was incorrect according to the XXXX XXXX but the title company said they did not care because they did not want to redo all the paperwork. XXXX XXXX XXXX then purchased our mortgage and never changed the address. Nationstar Mortgage Company now owns our loan and although they did make correct the address in their files they refuse to give this information to HARP so we can refinance our Freddie Mac loan. The bank that is willing to refinance our mortgage said Nationstar flat out refused to acknowledge the address change. Yet all the paperwork we received from Nationstar ( i.e., interest statement for tax purchases ) has the corrected address. We also received a notice of a change of address from Nationstar. How do we get Nationstar to cooperate with the bank that is trying to refinance our loan? 
As you can see from the attachments Nationstar acknowledges our address is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. The original paperwork that XXXX had was XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This address does not exist.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (NJ)

I received a prescreened offer in the mail. I did n't want the credit card. It 's for a store I never shop in. Within the materials, there was information to opt out from further offers. I called the number & they asked for my social security number & birthdate. I entered in the information since I have accounts with this bank XXXX Synchrony Bank XXXX. Then they started to ask for my address & name. I hung up. I felt like the number was a phishing scam. The number I dialed was XXXX.
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates (MI)

LJ Ross assoc has an account on my credit report from consumers energy in XXXX mi. from XX/XX/XXXX in XX/XX/XXXX they threatened to take me to court. It was for {$2000.00} with fees and interest it came to {$2600.00} so i took out a loan from my retirement fund and paid it off in XX/XX/XXXX.I am trying to clean up my credit report and asked LJ ross to delete the account, they said only if the original creditor asked them to delete it.I contacted consumers energy and they were willing to help me out and made a call to LJ ross. XXXX at consumers XXXX XXXX was refused. So i called LJ ross back and they said he did not ask them to remove it, XXXX called back and was very specific this time and was refused again, so for a third time i spoke with XXXX at LJ ross XXXX she again said that if consumers energy called them they would have the account deleted from my credit report, this time with in XXXX minutes i had XXXX from consumers call LJ ross and again he was refused. I never went to court I payed it off way before the court date came up.please help.Thank you
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Choice Recovery, Inc. (OH)

XXXX billed an eight year old address attempting to reach me for a medical bill. 
No response was recieved because I did not live at the address they were billing. 
XXXX turned the invoice to a collections agency, collection agency continued to bill the old addressI had no knowledge of this information until I needed to purchase a car where the discrepancy showed up on my credit report. 
XXXX refuses to submit a letter of untimely filing so my insurance company will pay the billI still do not know where or how the old address was obtained by XXXX. I would never recommend using this medical lab. XXXX insists I lived at the address that was billed and I received sufficent notice of the debt. I can provide public records to show I did not live at the address.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I have sent in the information to Experian several times and they are not responding the other bureaus have removed the information right away. They are not responsive at all there is no way to talk with someone and will not allow me to do this online they want me to send the information by mail with my social security card and other personal information the company on the credit report sent it to them also. I am very upset they should have a way to speak with a person. 



Thank you,
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft. Someone stole my personal information and used my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent inquiries.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I attempted to dispute something on my credit report with Experian online. They made it yet especially difficult for me to dispute online. Each time I attempted to dispute online, I was advised I needed to mail a copy of my ID and other form of ID to them simply to file a dispute. Also, I wanted to permanently remove a security freeze on my credit report again this was difficult as I had to provide a time frame for which it could be replaced back onto my credit file. I wanted it permanently removed Credit reporting companies know what they are doing and simply take advantage of consumers and make things so difficult for people these days. I also have XXXX XXXX XXXX accounts I never initiated or applied for on my credit with Experian. The other XXXX bureaus have thus removed this from ny credit report but Experian has not done so and I do n't understand as to why. These are my grandmothers accounts and are not mine.
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint against experian because I have been a victim of identity theft and filed a police report with the XXXX County Sheriff 's department on a fraudulent account that was opened with XXXX XXXX XXXX XXXX XXXX account number XXXX. This account appeared on my credit report and I immediately contacted the creditor and gave them my social security number and they were not able to locate an account. I contacted Experian and notified them that this might belong to my sister with the same name. They placed the account under dispute and they sent me a response saying the account was verified. At that time i contacted the creditor again and explained to them the situation and they looked up by my name and came across an account with the last XXXX digits of the social transposed to XXXX and mine is XXXX. I filed a police report and I uploaded the police report to experian and explained the situation to them and to please block and remove the account and the social variation of XXXX that is being used fraudulently and they have not removed the account from my file even though it is fraudulent and not even reporting my correct social.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I receive a free XXXX score from XXXX tied to my XXXX XXXX card. I am told that XXXX uses XXXX and they are reporting my credit score as XXXX. 
I also have an XXXX XXXX card and they all make my XXXX score available to me and they use Experian and they report my credit score as XXXX 
As a consumer I do not understand why when the term " XXXX score '' is used there is such a large difference in the numbers.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I am putting another complaint on Experian because once again they continue to find ways to deny removal of the Federal Tax Lien they are reporting in which they got there information off of XXXX. I have confirmation from XXXX XXXX that the federal tax lien was removed from my risk file. I provided Experian the response from CFPB complaint XXXX from XXXX XXXX giving confirmation that the information was removed from my risk file with them. I have provided Experian with the police report filed, the form XXXX that I filed with the IRS, the response from IRS with receipt of my XXXX form, I provided them the response from XXXX showing the removal from where they originally obtained there information. With all of these supporting documents that uphold mt claim they continue to report and claim to verify this Tax Lien that is not suppose to be on my file. I am going to attach once again all the documents that I have supplied to Experian that only shows there unwillingness to help in the removal of fraudulent information that is on my file. They have provided only excuses and no clear answers. I am now requesting from them what vendor they are using to verify this tax lien. What is the steps and methods they are using in doing a legal full and accurate investigation. I am not asking for a generic template letter from them on how they do investigations. I want a specific list of steps that they took, including but not limited to the dates they contacted their vendor, the name of the vendor used and what was the steps. I would like to know if a website was used in trying to verify these tax lien and what is the address of the website. I have contacted the XXXX County Courthouse and I know it is not them providing the information so I do not want Experian to illegally tell me to contact the source when the court house was not the source used to verify the accuracy of the information. I also requested for Experian to remove the Fraud Alert from my file and provided identity verification documents for the removal of the fraud alert and yet it is still reporting on my file.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian CRA on multiple occasions regarding a collection reflecting on my personal credit report from " XXXX XXXX XXXX '' that I am no longer responsible for post a divorce. This particular account was assigned to me during chapter XXXX bankruptcy proceedings and subsequently I was dismissed of this liability via a divorce an my spouse received this property. I have disputed this account for the past 18 months with Experian an they wo n't remove this negative mark. I have provided documentation and contacted " XXXX XXXX XXXX '' on several occasions with negative results. The account number is # XXXX.
Consumer complaint received 2024-09-05
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. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

There is a XXXX collection listed on my personal credit report, I have disputed with Experian and they stated they investigated which is false I took it upon myself and called XXXX and I do not have this account or owe ANYTHING. Please help I do not know what to do now. Experian is n't doing anything about this and this remark needs to be removed XXXX XXXX
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I submitted a letter from collection agency stating they would request deletion of the file. The collection agency could not present information I requested and made the business decision to request deletion of record. I forwarded their letter to XXXX, XXXX and Experian. Both XXXX and Experian has refused to honor XXXX decision.
Consumer complaint received 2015-07-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

XXXX XXXX XXXX died XXXX XXXX, XXXX, left property to daughter. Daughter went off to military. 
Brother, XXXX XXXX moved into property about a month later. Agreed to maintain property in her absence. 
In XXXX XXXX retired XXXX. Income drastically reduced. 
Maintained pretty well for XXXX years. Reduced income began to take its toll in XXXX. XXXX and XXXX began process of turning property over to XXXX since XXXX decided she would not be returning to the area. 
XXXX gave power of attorney to XXXX on XXXX/XXXX/XXXX. 
XXXX filed a quitclaim deed to XXXX on XXXX/XXXX/XXXX. 
XXXX XXXX XXXX contacted Chase about assuming and modifying the loan. They sent him a transfer, assumption and modification packet. 
For nine months, XXXX went back and forth with Chase to be sure he was getting proper documentation in place as requested. 
Things continued to go no where, and XXXX contacted XXXX XXXX in XXXX XXXX. 
XXXX continued to reach out to Chase and my SPOC refused to discuss case with XXXX XXXX. Claimed they did not have authorization. My counselor, XXXX XXXX, sent an authorization XXXX times and has yet to have a conversation with my SPOC. 
We continue to go back and forth and now I am receiving mail that my home is going into foreclosure. 
My account was not delinquent when I started the process. I am now $ XXXX delinquent.
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (GA)

I have sent Central Financial Control letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

On XXXX XXXX, 2016, I received an email from Bank of America suggesting that I update my income information for the purpose of receiving a credit line increase. The email explicitly assured me that BofA would not request a copy of my credit report. On XXXX XXXX, 2016, I updated my income information, requesting the credit line increase, and on XXXX XXXX, 2016, BofA requested a copy of my credit report. I called BofA on XXXX XXXX, 2016, and the representative was entirely unhelpful, suggesting the email was not from BofA, even though when I logged in to my account to update the information, a pop-up opened up with the exact same information that was in the email, again assuring that my credit would not be checked. The same pop up came up when I logged out, even though I had just done as it suggested. That totals THREE PROMISES by BofA that it would NOT pull my credit report, and then it pulled it anyway.
Consumer complaint received 2024-09-05
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I DID NOT GIVE PERMISSIBLE PURPOSE TO THESE PEOPLE TO PULL MY CREDIT REPORT. REMOVE THESE INQUIRES : 1. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year>