davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I have spoken several times with Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX Tx, XXXX. It has been over the accumulation of late charges and fees portion of the statements they have sent to us. Our Loan has been passed on to XXXX morgage companies in the past ten years. The last being XXXX XXXX. We had an agreement that a {$50.00} late fee would be applied to our monthly payments if we were late. When the transition took place Nationstar automatically said we owed XXXX in late charges and fees in a category included in our statement. I contacted them and told them to please get this corrected. That we have records showing all late charges/fees were up to date. With XXXX. Since that conversation XX/XX/XXXX the first month Nationstar took over. We have sent our {$50.00} late fee when applicable for being late. I have called them several more times about this issue in the last year. I got so frustrated trying to get someone to correct the problem I sent the fees along with my XXXX XXXX payment to balance this account. I sent my XXXX XXXX payment in with the {$50.00} late charge also since it was XX/XX/XXXX. Which should have balanced my account. I received a letter XXXX XXXX indicating that the money I have sent them. An accrued amount of XXXX for those fees real or added on has been put in suspense and they still are adding fees to my late charges when they are holding that money and telling me if I do n't sent another payment of XXXX for my XX/XX/XXXX payment they will send the XXXX back and add it to this XXXX. Making it look like I owe them XXXX for XX/XX/XXXX Plus more late charges/fees. My monthly payment is XXXX plus {$50.00} late fees. And that is it. I spoke with them today and asked why they keep accruing this Late/fee and keep charging me more charges and fees when they have this extra money that was sent along with my payments to clear these charges up. They said as long as I pay late at any time they are not going to apply these funds to my late charges fee to clear this up. I only owe XX/XX/XXXX payment right now. I estimated that if they pull this on a half a XXXX accounts out there ( which is probably a low estimate on the amount of mortgages they handle every month. ) and just XXXX dollars is tacked on to each loan in fees like this. They could be raking in XXXX XXXX dollars a month and no one would be the wiser. They keep asking me to send the money in and they keep accruing more charges on money they already have. I asked them again to put that money where they ask for it to be paid on and they refuse. These are the kind of things that XXXX, XXXX XXXX XXXX, XXXX XXXX pulled back in the trouble period with the congressional hearings and Dept of Treasury situation to make it look like people are behind for foreclosure attempts. This worries me that this company is using these tactics also to liquidate loans. Should I be concerned.
Consumer complaint received 2024-10-18
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)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am a victim of identity theft. On XX/XX/XXXX, I recently learn that my personal information was used to open up several accounts at Capital One Bank. The amounts were as follows ( 1st account worth {$1000.00} and 2nd account {$1600.00} both opened in XX/XX/XXXX, and 3rd account worth {$1200.00} opened in XX/XX/XXXX ). I got a notification from XXXX XXXX  Credit Monitoring service that there were three potentially negative derogatory information being report to the credit bureau. The company that was reporting the information was a collection agency named XXXX XXXX which the Capital One accounts was sold to. I contact the XXXX  monitoring service to discuss the fraudulent accounts that were being reported and I contacted XXXX XXXX as well. XXXX  agent and myself contact Capital One and we were told that due to the information involved because my social was used but the name, DOB, and address did not correspond with the account. This also is the case with XXXX XXXX and this collection agency went so far to send the dispute paperwork in the perpetrators name to my address and now this person name may be link to my resident. I did not open or authorized these accounts and therefore request these accounts be closed immediately and removed from my credit report.
Consumer complaint received 2024-10-18
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. (CA)

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. 

ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$140.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2019-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I have a XXXX mortgage on my home at XXXX XXXX, XXXX, MI XXXX. I filed for bankruptcy and was granted relief in XXXX of XXXX. The loan was sold by XXXX to XXXX XXXX in XXXX I believe because articles state all mortgages where sold to them. I havent been able to contact either company and I have no information on resolve the outstanding balance. The XXXX mortgage ( home equity loan ) account number is XXXX. 

I am in the process of settling all the mortgages on the home so I can save it.
Consumer complaint received 2019-11-13
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute with Transunion recently with supporting documentation of a charge off. I have credit reports going as far back as XXXX that reflects XXXX updating my credit report to show this account was closed and charged off as of XX/XX/XXXX. After filing the dispute the creditor changed the closed and date major delinquency was first reported to XX/XX/XXXX. These are tactics creditors use to reage debts delinquencies. When the creditor changed this date my credit score dropped more than 20 points and I now have a new charge off reflecting. I had not been affected by this charge off anymore seeing as though it was almost 6 years old. After speaking with a supervisor at Transunion she stated to me every time I disputed the account the creditor changed the charge off date. She also stated I did a dispute in XX/XX/XXXX and the creditor change the major delinquency date to XX/XX/XXXX then changed it back to XX/XX/XXXX years later. The supervisor stated she was unable to make any changes because XXXX had the account locked and it was out of their hands. I felt hopeless and decided to settle this debt with creditor although I felt I did not owe the debt. Still the creditor is reporting inaccurate information. The creditor also wrote the debt off as a profit loss/write off in XXXX. I reached out to a lawyer and they stated to me that I needed to file a complaint because Transunion has violated sections 609 and 621 of the FCRA by not correcting inaccuracies and not conducting proper investigation. I am asking that Transunion delete this tradeline immediately due to inaccurate reporting and I am providing all documents. Ceo XXXX XXXX sat with the US House Committee and stated he was fixing this broken system to aid consumers. I have been denied a mortgage as a result of this and I have been completely stressed out. I have felt completely helpless as a consumer.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-02-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My complaint surrounds the illegal execution of a foreclosure sale completed on XX/XX/2015.I have requested on multiple occasions for XXXX XXXX , XXXX. ( XXXX ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from XXXX, nor Nationstar Mortgage Servicing ( NSM ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE 4:64. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. XXXX, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. 2a 50-53 : I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.
Consumer complaint received 2016-02-04
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I started my Deed In Lieu of Foreclosure in XXXX of XXXX. After several attempts to contact the bank and being told that the missing paperwork letter that we received was automatically sent out. On XXXX/XXXX/XXXX, we were assigned our lone specialist, XXXX XXXX. On XXXX/XXXX/XXXX, we called and spoke with the customer service representative, XXXX, who told us that the paperwork should have been sent within the first 48 hours but the system showed that the paperwork was not sent until two weeks later. On XXXX/XXXX/XXXX, was transferred through XXXX representatives until XXXX answered his phone. He stated that XXXX. appraisal, containing fair market value and specific details of the home including being permanently affixed to the ground, was completed and was only waiting on the title. XXXX/XXXX/XXXX XXXX had received the title and stated that he " found everything we needed to clear title. '' XXXX/XXXX/XXXX, attempted and failed to contact XXXX, left a message. XXXX/XXXX/XXXX, spoke with deed in lieu department who is leaving a message for XXXX to call. XXXX/XXXX/XXXX, we were notified that a survey needed to be done and the VIN number was needed. XXXX/XXXX/XXXX we were told that the final paperwork was being prepared. XXXX/XXXX/XXXX, called but could not reach XXXX, left message and emailed to notify that I could no longer afford to make the mortgage payment because I had returned from deployment and was no longer receiving extra pay. XXXX/XXXX/XXXX spoke to XXXX who said he spent request to attorneys on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX called and could not get in contact with XXXX, was given Manager 's POC. XXXX/XXXX/XXXX called for update, Spoke to XXXX XXXX, who could not locate XXXX. Received phone call on XXXX/XXXX/XXXX from bank asking if I had any questions about my loan, after being asked the status of my Deed in XXXX, I was told my application was denied because of a failure to resolve the title and a letter was in the mail that stated the specific details. XXXX/XXXX/XXXX, called to get more details because the letter had not come and was informed that the letter was never actually sent. Spoke to XXXX XXXX about my case and was told that the attorneys notified them that they need paperwork from the county stating the home is affixed to the ground at the beginning of XXXX. No request for the information or contact of any kind was sent to me. Requested to have a copy of bank notes on the account sent to me via email and was told they could not send me notes on my account. The request was denied XXXX/XXXX/XXXX. Due to the home being undergoing the Deed in Lieu process, being unable to sell or rent, the home has been place in an abandoned status and the insurance company has dropped the insurance requiring the bank to charge me fees for insurance while they prolong the process.
Consumer complaint received 2024-10-18
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. (AZ)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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.
Consumer complaint received 2023-11-23
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. (IL)

XXXX. XXXX XXXX, account number XXXX. XXXX. XXXX management services, account number XXXX. XXXX. XXXX XXXX XXXX  XXXX XXXX account number XXXX, I have sent certified letters to Equifax credit bureau requesting full break down of validity procedures due to these account being illegally reported to my equifax credit report. Ive also requested Equifax do a thorough investigation on these accounts and also to send me originally signed contracts between me and these companies, they havent provided them and its been legally past the statute and timely manner to do so. There are still no proof of these account being mine and there are still inaccuracies reporting on these accounts on my credit profile. Equifax is now part of the litigation including these reported account companies listed above due to clear violations of 15 United States Code 15 ; FCRA.
Consumer complaint received 2019-11-14
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: CORELOGIC INC (OH)

To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX
Consumer complaint received 2024-10-18
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. (DC)

I am writing to formally dispute information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 609.

Upon reviewing my credit report, I discovered the following accounts, which I believe to be inaccurate and not mine : XXXX XXXX XXXX XXXX XXXX XXXX Account Remove me from any authorized user accounts These accounts are not mine, and I am requesting that you provide me with a detailed validation of these accounts, including all documents that were used to verify the accuracy of this information, such as signed agreements or contracts. I understand that you are required to investigate this matter and, if these accounts can not be verified, they must be removed from my credit report. 

XXXX : XX/XX/year> LAST 4 SSN : XXXX Please remove these accounts if you can not provide sufficient evidence that they belong to me. I request that the results of your investigation be sent to me in writing at the above address.
Consumer complaint received 2023-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America violated ECOA by denying my HELOC modification loan in foreclosure, due to starting to receive Social Security XXXX income in XX/XX/2023.
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-10-20
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX 's Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.