davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (MT)

Northland group showed up to my XXXX on XXXX parking next to my car. The passenger got out and was looking in the windows of the vehicle. No one came to my door or called prior or sent me anything in the mail. My dogs alerted me to someone messing with my vehicle. I took pictures of their plates and vehicle. Upon doing so the gentleman took off then called me from a number that showed up as northland group. They showed up again later that night. Again just parked next to my car and no contact made, after my dogs alerted me and I was hearing outside they took off. I have yet to reiceve any communication from the debt collectors stating they are debt collectors, what debt, etc. But they have repeatedly called since XXXX. They do not state anything and for this reason and due to no correspondence I have blocked the number and yet they still call. I have asked several times for them to stop contacting my unlisted cell phone.
Consumer complaint received 2023-09-02
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

My credit report has delinquent marks on my account while mortgage relief applications during the XXXX pandemic were being processed and I have been approved for {$23000.00} + and XXXX XXXX received funds. I am searching for other options but I am told about the info and I can't be helped at this time. Originally My mortgage {$860.00} has never missed or late payments XXXX and I personally pay my property taxes, insurance and HOA. XXXX pandemic my payment became delinquent property taxes and while my XXXX was in final review my lender paid the taxes so I was disqualified and application had to be cancelled and caused me to be in shortage {$1900.00} plus more fees. My payment is now {$1200.00} and I get foreclosure in 30 days I receive {$1600.00} XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.

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 XXXX 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 2015-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called to get persistant disputes removed from my credit and I was told it would take 30 days, however, when I called XXXX and XXXX they were able to do it within 72 hours. I informed them that I needed it done this week because I am applying for a mortgage and also told her I would notify CFPB and file a complaint. This information didnt faze XXXX, and again said it will take 30 days for the disputes to be taken off. Question ; Why isnt there any unionformity between the credit bureaus?
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: Experian Information Solutions Inc. (CA)

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts 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 Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX  Experian FRAUD/REMOVE have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the CAPITAL ONE came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Greetings, In XXXX, i refinanced with XXXX XXXX XXXX only once. I started with a balance of XXXX, cash-out : XXXX, bank & broker fees : XXXX Total refinanced=XXXX. 
But today, my balance= XXXX and noone can explain this except XXXX XXXX XXXX who say, " fees. '' or " bank fees. '' In XXXX, at the closing, i was denied a 3-day recission period and i was denied a copy of the new note. 
2 months pass & XXXX drop off a 4 payment option ARM, none of which i heard at the closing and the balance spiked from XXXX to XXXX, in 2 months! 
1 week before XXXX settled for XXXX with our govt., XXXX quickly sold my XXXX mortgage note to XXXX for {$160000.00} so as to avoid 'making me right ' again. 
Again, the XXXX was sold for XXXX! that i have to pay. 
Why did n't i benefit from the XXXX XXXX XXXX XXXX settlement with the govt.? 
5 months pass. XXXX sells my note to Nationstar. Now, i have a 40 year note for XXXX but remember, i started in XXXX with a refi of only XXXX.Total. 
XXXX knew i was XXXX before the closing as they used my XXXX XXXX income to meet their income guideline. I became XXXX after XXXX. 
Being XXXX explains why my closing was set at XXXX to XXXX and why i was denied a 3 day Recission period nor a copy of my new note & terms. I pleaded 5 times for a copy. Answer by XXXX and 'XXXX : " No XXXX XXXX , we have to get all XXXX pages upstairs to be notarized. '' Those XXXX agents at my XXXX closing later quit or were fired. Keep in mind, i only did XXXX refinance, not XXXX i do not have a second mortgage either. 
Fast forward to XXXX. XXXX sold my note to Nationstar. Last month, I asked their senior loan officer to explain the 'History ' of my original note of XXXX & how it became XXXX. 
Nationstar loan officer stated he could not make any sense of the 'history ' of my note but he promised to call back in 3 days. He, ( Nationstar ) never called back. So, i am burned for life. Noone will tell the truth of what really happened. My Nationstar mortgage statement has XXXX balances which total XXXX
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. (NC)

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 2023-09-01
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX 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.
Consumer complaint received 2023-09-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j
Consumer complaint received 2016-04-18
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (DE)

PLEASE ALLOW US TO ADD INFORMATION I LEFT OUT OF MY ORIGINAL COMPLAINT IN REFERENCE TO : Case number : XXXX LENDER IS NATIONSTAR MORTGAGE LLC AND IS THE SERVICER XXXX WE ARE ENTITLED TO ALL OF THE REQUEST FOR DOCUMENTS BECAUSE THE SERVICER IS ALSO THE ORIGINAL LENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX CORP***LENDER, NATIONSTAR MORTGAGE LLC XXXX SERVICER XXXX NATIONSTAR MORTGAGE LLC OUR LOAN IS IN THE NAME OF XXXX XXXX XXXX, AND LISTED ON THE SEC GOV ONLINE SITE * XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ( LENDER ) AS PER NATIONSTAR XXXX 2016 IN XXXX LETTER WE RECEIVED XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX LOAN XXXX XXXX PROPERTY XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXXLENDER XXXX NATIONSTAR MORTGAGE LLC XXXX SERVICER : NATIONSTAR MORTGAGE LLC XXXX AND THE SAME. 

THE COMPANY HAS COMMITTED PERJURY TO STATE AND FEDERAL AGENCY 'S SUCH AS DELAWARE XXXX OFFICE, CONSUMER AFFAIRS, CFPB, AND US THE BORROWER 'S WITH THE STATEMENT, " According to our records, we do not have any information to substantiate the borrower 's claim that the Unpaid Principal Balance ( UPB ) is {$30000.00} short, Please note that we can not attest to another company 's actions, including how they handle the closings of loans. '' * THIS IS A FALSE STATEMENT XXXX XXXX XXXX, F/K/A CHEC FUNDING, NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX WHO UNDER-WROTE THE LOAN PRE-SALE, WE WILL PROVIDE PROOF. WE HAVE THE TITLE COMPANY 'S CLOSING INSTRUCTIONS AND NATIONSTAR XXXX XXXX XXXX XXXX XXXX 'XXXX FUNDING LETTERHEAD PER-SALE MORTGAGE COMMITMENT, AND CLOSING INSTRUCTIONS, SIGNED AND DATED. ECT. REGARDING OUR REFINANCE CASH -OUT WE WILL PROVIDE THE DOCUMENTS., PLEASE ADVISE, WE CANT UPLOAD THEM BECAUSE THERE ARE MANY DOC 'S TO PROVIDE, WE REQUEST THAT ALL THE DOCUMENTS FROM NATIONSTAR BE FORWARDED BY MAIL ONLY TO US, AND NOT E-MAILED.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

Equifax is once again reporting incomplete information on my credit report. They 've listing a collection company on my credit profile with no name. This is a company that 's so gunned whole of releasing any incorrect information as long as they can stick it to the consumer. 
1. I need to know who are the people that you 're claiming I owe. 
2. Direct Contact Information On this Company 3. The name and number of the person that works for Equifax that 's stating that this account has been verified.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

My mortgage manager sent them proof it was n't my lien and they said they can not remove it from my name. I have XXXX lien showing up as mine. My name was put under hers on the tax form XXXX erroneously, I think they thought we were married? Her name is next to her social and her debt and the irs said that should be enough for you all to remove it. I also attached the transunion letter where they found it to be in error.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Account : XXXX XXXX also know as XXXX XXXX XXXX Is violating my consumer rights and I would like to be removed as it is hurting my good name. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2023-09-01
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. (VA)

From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX only and authorized for my credit to be pulled once. Please see the attached documentation.
Consumer complaint received 2023-09-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

My sister I have received over 300+ calls from multiple different lending companies in the past 36 hours. all because I checked with penny mac about refinancing my house for renovation purposes. My sister is not mentioned in my finances anywhere. these actions are harassing, unwanted, and seemingly preparatory.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Our mortgage is held by Nationstar Mortgage. We went into XXXX XXXX bankruptcy in XXXX XXXX. One of the conditions for our successful discharge in XXXX XXXX is that creditors must report to the bankruptcy court that we had fulfilled all our obligations in a timely manner. Nationstar reported that we had done so. 

However, now Nationstar is stating we are in default on mortgage. They have " suspended '' our payments because of {$170.00} in fees that are past due. We have had XXXX different conversations with XXXX different representatives, even though we ask to speak to the person we spoke to the previous discussion. We have now had XXXX different explanations as to the source of the fees and charges and NONE of them are ever the same. We also receive verbal assurance that the " fees '' are in error and that the customer service representative we were speaking to at that time had removed the " fees '' and corrected our loan status. However the phone calls and emails have continued, stating we are in default. 

We have not received a monthly statement in years so when our case was discharged all of a sudden we start getting default notices etc., for these fees that were never disclosed. 

It turns out that a number of these " fees '' were are supposedly connected with the bankruptcy filing. They have been sitting there for years. If these fees were part of or as a result of the bankruptcy, they should have been declared to the court. If they were after the filing, they should have been communicated to our lawyer and to the bankruptcy court as unfilled obligations before discharge. 
We have documented names, dates, call transaction numbers and other details. 

We have acquaintances ( names on request ) that also have Nationstar as their mortgage holder. They claim their accounts are mishandled in the very same way.
Consumer complaint received 2017-02-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

MY BOA MORTGAGE IN XXXX XXXX WAS {$790.00}. BOA THEN INCREASED IT TO {$1100.00} BEGINNING XXXX XXXX. IT WAS AN INCREASE OF {$340.00} DUE TO AN ESCROW SHORTAGE POSSIBLY. SO I PAID {$4500.00} FOR XXXX, XXXX, XXXX, & XXXX XXXX. 
ON MY STATEMENT I SEE THAT THEY PAID {$710.00} FOR COUNTY TAXES. 
I FILED A PREVIOUS CFPB COMPLAINT DUE TO THE {$340.00} INCREASE ISSUE. XXXX XXXX BOA INFORMS ME THAT MY MORTGAGE IS GOING TO BE {$890.00} BEGINNING XXXX XXXX. 
HERE 'S MY QUESTION ... .WHERE DID MY {$4500.00} GO? BOA PAID A CO TAX BILL OF {$710.00} AND TOOK CARE SUPPOSEDLY OF AN ESCROW SHORTAGE ... UNKNOWN AMOUNT ...??
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have now been in the process of trying to have items removed due to XXXX XXXX with Equifax for over a year now. I have submitted all the documentation requested and it was the same documentation that worked to have items removed in the past. Not only are the employees in the department that handles these cases disturbingly XXXX and XXXX but their gaslighting is also an entire issue for me. I am currently still dealing with being a victim of human trafficking and it makes no sense that every time I call I am being met with customer service representatives who have attitude and nasty behaviors. I feel like the reason my disputes are being denied is because of retaliation towards me. There's no reason a victim of XXXX  XXXX XXXX  should be dealing with this. Today on XX/XX/year>, I contacted Equifax and spoke with a representative named XXXX, she was very microaggressive toward me because I advised her that I mailed a dispute to the company that according to my tracking information was received on XX/XX/year>. I wanted to know why the letter was still sitting there and when they picked the mail up. This was met with an attitude, of rudeness and I advised her I would like to speak to a supervisor and she mentioned that she's the highest form of contact. I advised her that there was someone above her. We got into an argument and then she disconnected the call. I called back to that actual customer service line and I was transferred back to that department, XXXX answered the phone and I'm sure she knew it was because you could hear the disdain and aggravation in her voice ( XXXX my disdain from being XXXX from childhood until adulthood by people trafficking me ). She then disconnected the call before I could even say anything. I called the department back and XXXX answered the phone again she sighed with aggressiveness and transferred the call to someone named XXXX. Once XXXX got on the line ; I was met with straight combativeness and an attitude. Every time I tried to speak XXXX began trying to talk over me. She then argued with me that she had just spoken with me even though I told her that was inaccurate. I was speaking in my regular tone and then XXXX began stating that I was yelling at her ( I wasn't ), I continued to try to speak and XXXX began to give me warnings and I advised her that it was very microaggressive to say a XXXX person is screaming because you don't like the tone in which they are speaking. Disgusting behavior that I did record and will be sent to an attorney.