davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

The case was closed by CFPB with zero resolve the fake opinion by Experian was accepted by CFPB with out the documents to back it up as they admit there information about a bankruptcy i didn't ask for pay for or received a day in court for remains. I did a offer in compromise with the comptroller of XXXX as they have confirmed and by the way to date i haven't received anything from experian on that matter accept it will remain on my report until next year XXXX due to a third party who can not back up there claims with facts or documents as i can! They should contract the comptrollers office and ask what took place in my case but? i guess that's to much like making things right and correct in stead of hanging your hat on some third party and blaming them for all the false info on my credit report as stated in my last comments. That is only half of what i'm trying to do today as i truly expect more long winded reasons that have nothing to do with nothing and they [ experian ] can do what ever they wish without oversight. On XX/XX/XXXX my rating took a XXXX point hit for zero reasons why? no late payment zero credit/debt contact XXXX and up date that while your at it no late payment no collections ect... i took a XXXX point drop when XXXXXXXX XXXX looked at my credit report for a possible home loan back in XXXXXXXX and i assume that's what the 2 point drop was about? and that bring up to a XXXX  point drop from experian W Y H????????????
Consumer complaint received 2023-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX continued. 
XXXX XXXX XXXX is still supposed to return a call with an update from WF. She is not answering calls. XXXX Not exactly a customer concern bank. Sad and truue Spoke with XXXX XXXX. Awaiting XXXX XXXX ... .. after XXXX XXXX from the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. I never agreed to the mediation resolution for the HELOC loan. There is no documentation and I never agreed. The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We have been working on a modification with Nationstar for over three years. We hired a lawyer for a lawsuit against them, but every complaint against them was dropped for different reasons. Nationstar has been impossible to work with, always a different " point of contact ''. There have probably been at least 15 different ones, none of whom EVER knew anything about our loan. I always had to tell all my information every time. That 's why we hired a lawyer to help us. Through an outside contact, we have filed many modification packages. They were all turned down for one reason or another. We were only asking them to put the arrears as a balloon payment at the end of the mortgage, give us a 30 year loan and keep the interest at 3 1/2 % instead of the 5 % it was going up to. They would offer NOTHING even though no one has ever lived in this house but the XXXX family since it was built in XXXX. My husband grew up here and after his father died, we moved here in XX/XX/XXXX <P/>My husband will be XXXX XXXX XXXX this year and he has XXXX XXXX XXXX XXXX. He is weak and having to leave this home would do him in. I ca n't imagine how he would survive it. Our grandchildren live very close and are home several times during the week, playing in the front yard. It is our home. Seventy-five years of memories are here. It would be impossible to move out. We also make extra money by renting our a back house and we would lose this source of income if we had to leave. <P/>I just do n't understand how a company, no matter how impersonal, could be so cruel. We are still trying to get a low-cost mortgage with interest only for five or 10 years or a reverse mortgage. The reverse mortgage would be ideal except that Nationstar has run the mortgage from {$870000.00} to over {$1.00} million. So of course we could pay over {$200000.00} to bring the mortgage current, but then we would have to begin making payments of {$5500.00} a month which we ca n't afford. This could all have been handled quickly by Nationstar in a couple of months, but they 've stalled and stalled and run up all this overages which I do n't think are all legitimate but I have no way of finding out. <P/>In the past three. Plus years, we have paid money we did n't really have to our lawyers ( who have been very fair and very supportive ) and are basically worse off than when we started. I just ca n't believe there is n't a solution to this. The truth is we ca n't possibly afford to move out. Is there really a company who would put a couple who are XXXX and XXXX years old out f their home? Apparently!! I believe this is elder abuse in some form. <P/>I think Nationstar will do anything to get our home and they do n't care about the consequences.
Consumer complaint received 2023-06-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

We have experienced issues with our mortgage servicing company, Nationstar. Our mortgage was transferred from another mortgage servicing company to Nationstar in XX/XX/XXXX Prior to the transfer, the other mortgage servicing company had overcharged us in XX/XX/XXXXbecause they had not accounted for a makeup payment we had made to our escrow. I had talked with the other mortgage servicing company in early XXXX about applying the overpayment amount to our principle. They did not do this before our mortgage was transferred to Nationstar. In XXXX, I notified Nationstar of this error and they made the change and reapplied all the payments that occurred in the interim. The very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. I did n't catch this until I noticed my Tax form showed a lower than expected interest paid in XXXX. InXX/XX/XXXX, I contacted Nationstar about this erroneous principle only payment and again Nationstar had to reapply all of my monthly payments dating back to XX/XX/XXXX Again (! ) the very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. It is now XXXX, and seeing that my Escrow balance is now short and I am being asked to make a makeup payment, I have contacted Nationstar and pointed out this issue again. I have talked with a call center supervisor and strongly suggested they elevate this issue as it appears to be a bug in their system that is causing mortgage payments to be misapplied after a correction is made. I hope they do so. My concern about this issue is that if I were not diligent in keeping track of how Nationstar is servicing my mortgage loan, the loan holder could have come after me for skipping an interest payment on my mortgage because of Nationstar 's error. I worry that others may have fallen victim to this error. I also worry that without accountability, Nationstar will not fix this issue and even more mortgage payers will have to deal with the problems this error creates.
It boggles me that Nationstar 's sole responsibility is to make sure my monthly payments are applied to my mortgage properly and they ca n't get it right.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-20
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. (GA)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : 1. XXXX  XXXX # XXXX XXXX. XXXX XXXX - # XXXX XXXXXXXX XXXX  # XXXX XXXX. XXXX @ XXXX # XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address.

According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (VA)

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, 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 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. 

I do not have an account with XXXX and I am totally upset how this account continues to appear on my credit report. I am a Government Employee and this could pose a risk to my security clearance.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  and XXXX 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
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and should be removed. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ( CRAs ) maintain accurate and complete information in their credit reports. I believe that the following items on my credit report are inaccurate and in violation of the FCRA : XXXX XXXX bankruptcy discharged, Case Number : XXXX - The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such information or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies, I demand this account be removed in accordance with the FCRA. 
XXXX. Unauthorized Inquiries - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. More Unauthorized Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. Inaccurate Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no record in my possession that these accounts belong to me. Therefore, I demand that this inaccurate information be removed from my credit report in accordance with the FCRA. 

I request that you promptly investigate these items and make the necessary corrections to my credit report in accordance with the FCRA. Additionally, I request that you provide me with written confirmation of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-12-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Fradulent charges were made to my Bank of America credit card. I had numerous phone conversations with individuals ( whose names I have ) assuring me that it would be resolved in my favor. Now I am informed that because I did not contact them in writing, that I am liable for the fradulent charges totaling {$26000.00}. I am XXXX years old and have been with B of Am. for 30 years. The phone conversations assured me that they were looking after my interests.
Consumer complaint received 2024-11-19
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX The consumer reporting agency that is reporting this account has violated my rights. 

I looked at my Transunion credit report on XX/XX/scrub> 2024, after I received an alert regarding an account that was being reported, TD Renovate. Upon further review, I noticed some of the information on this account is incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681 5 the consumer reporting agency is supposed to do this in reference to ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also, according to 15 USC 1681s-2 the consumer reporting agency is not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The information on this account is inaccurate and I am requesting for it to be removed from my credit report according to the laws of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account Number : XXXX I have never been late with any payments for this account. Therefore, I request that you remove this inaccurate data from my credit file immediately as per the FCRA. 

XXXXXXXX XXXX XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX XXXX Account XXXX : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX Account XXXX : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Since the other credit bureaus were unable to verify this account, I request that you delete this inaccurate account from my credit report as per the FCRA XXXX 

XXXX XXXX XXXX Account Number : XXXX Since the other credit bureaus were unable to verify this account, I request that you delete this inaccurate account from my credit report as per the FCRA XXXX 

XXXX XXXX Account XXXX : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX Account XXXX : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This address belongs to someone else. Please delete it from my report immediately in compliance with the FCRA. 

The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY- This is not my employer. Please delete it immediately from my report in compliance with the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report in compliance with the FCRA. 

I request that you conduct an investigation into these items as per the FCRA and respond to me within 30 days with the results of the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX