davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I have a big problem with the holder of my mortgage lo an Nationstar.  I had been approved for a loan modification while my loan was with  XXXX   XXXX   XXXX  and had already begun making payments when the loan was sold  to Nationstar. I spoke with Nationstar and they told me they would honor the approved modification. After making a few payments to Nationstar, they told me they were not going to honor the modification and that I had to start over and go through Nationstar to get approved. They sent my payments back to me. Now I have spent over two years trying to get this straightened out with Nationstar. They are completely unorganized and their customer service is terrible. They never should have gone back on their word and refused to honor the modification. It was already signed and completed, I think their ac tions are illegal.  <P/> I bought my home in  XXXX  and refinanced into a predatory adjustable rate mortgage in  XXXX . The interest rate could go as high as 11.87 % and there was a two-year prepayment penalty on this loan. I have had steady employment working as a  XXXX  for over 30 years so even with the bad loan I was able to make the payments as agreed. In  XXXX  I discovered that my  wife (  now ex-wife ) had been stealing money from me and was not sending in the mortgage payment each month. This created a major problem and led to divorce. At that time I reached out to  XXXX   XXXX   XXXX  to resolve this issue and went through the process and was approved for a modification. I completed the paperwork and began making the paym ents. Shortly after receiving the modification the loan was transferred to Nationstar. Their agents told me that Nationstar would honor the approval ( I BELIEVE THEY ARE REQUIRED TO HONOR THE APPROVAL ) and I thought I was all set. A few months later Nationstar told me that they would NOT honor the approval and told me that I would have to go through the process AGAIN with Nationstar. Then they sent my payments back to me. I have literally spent the last two years trying to get this straightened out, and I went from an approved modification to a sale date in a few months. This is wrong. I want to file a formal complaint against Nationstar.
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: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called XXXX, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. 

XXXX : XXXX amount {$4000.00} XXXX : XXXX amount {$2600.00}
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

A third party company that buys debt " profile recovery associates '' puts the wrong date on credit reports. After they buy a debt they bring a new claim to the credit bureaus which appears on your credit report twice. Once under the orginal debt and then again with a new date with their company name " profile recovery associates ''. Their tactic extends the time the debt remains on credit reports. I had the delicates removed but now two bureaus XX/XX/XXXX and XX/XX/XXXX have failed to remove it after an investigation. Only XX/XX/XXXX removed it properly.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/21 I sent the Bureaus a letter in dispute of INACCURATE/ FALSE reporting I found on my credit report. I feel that these accounts are adversely affecting my credit report and because of it I pay thousands in interest every year. I need this problem fixed ASAP I will not wait another 45 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. 

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I'm also a victim of the XXXX Data Breach, you all are violating my rights as a consumer!
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the USA at least two times per year all this during these 13 years because I was preparing myself to work as a XXXX XXXX  because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to USA because I am very close to obtaining the job of my dreams ( As a XXXX XXXX ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (NV)

In XXXX of last year, I received a Checking and Savings Bonus offer from Bank of the West. I opened a Premier checking account on XX/XX/XXXX with a {$5.00} deposit. I then deposited over {$15000.00} dollars by the end of XXXX and maintained that balance for 3 consecutive calendar months ( XXXX XXXX XXXX ), as the offer stated that I needed to do. I have enclosed my bank transactions, from opening to current. I have otherwise met all the requirements to receive the {$500.00} bonus advertised. The offer states that the bonus would be deposited by XX/XX/XXXX. XXXX, and it has not been.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have filed multiple disputes with XXXX, Experian, and XXXX. I have not recieved the results of the investigation. There are numerous discrepancies on my credit report that need to be fixed or deleted. Please assist me by ensuring the bureaus investigate.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I've sent in disputes on XX/XX/2021 and XX/XX/2021 to Transunion and XXXX regarding to the collection XXXX aka XXXX XXXXXXXX XXXX. I haven't received any information pertaining the disputes about the collections I have no knowledge of.
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have transmitted Affidavits, including certificate of Authority and a Factualized Trust to Capital One Auto Finance via Registered Mail As of date, they have failed acknowledge, respond or attempt a resolution for this matter but continue to leave threatening message on a daily basis. 

I have attached some documents I have sent to Capital One Auto Finance, please supply a secured email to provide all documents. 

Thank you
Consumer complaint received 2017-09-26
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. (CT)

I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away 70 points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please help.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Received telephone call from XXXX XXXX acting as a XXXX  XXXX XXXX XXXX in XX/XX/2018. During the call i was given bank details ( XXXX, XXXX, bank address details in XXXX ). 

Following the call I went to my local XXXX branch and made the following payments to them : XXXX XXXX XXXX XXXX XXXX XXXX The following reference is showing on my bank statement XXXX XXXX XXXX XXXX. 

I have tried contacting XXXX XXXX limited without any XXXX. I'm trying to withdraw the money.
Consumer complaint received 2023-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (KY)

Amsher collection never notified me of the debt before reporting it to credit bureaus when I seen it I contacted and asked them for a verification as I believe it's false they never sent it then hired a lawyer so I contacted the lawyer who hung up on me multiple times and refused to speak to me finally asked them for verification of debt have never received it and no one has actually ever called me iv always had to contact them after it shows up on my credit monitoring service.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2017-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (FL)

On XXXX XXXX, 2017, I took a loan from Bridgecrest Acceptance Corp for a initial loan amount of XXXX for 65 months at 23.835 % with monthly payments of {$460.00} due on the XXXX of each month. The loan is simple interest. I have made two payments on X/X/2017 and X/X/2017, though the no portion of the payments are being applied to the principal. My account account with Bridgecrest still reports the original balance owed as well as my credit report though reports two payments made, but also reports the original balance of XXXX after two payments and based on simple interest amortization with payments being made before the due date, the balance should be reduce by at least {$200.00} but it not reduced and lender states that I owe the full amount with explanation or responding for further inquiries.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MI)

I paid my balance in full on three separate occasions and they continue to bill me for a XXXX balance. The balance was paid in full in XX/XX/XXXX. This is with a Victoria Secrets credit card with Comenity Bank card that I havent used since XXXX of XXXX. I called the company and I was told my balance was {$24.00}, so I paid it. I checked my account and I had another balance of {$11.00}. I paid the balance in full. I have been paying cash for my purchases instead of using the card, because of so many problems. They keep billing me on a XXXX balance. I received a call today ( XX/XX/XXXX ) stating that they sent a balance to collections for {$40.00}. I checked my balance and it went from {$0.00} to {$73.00}. These are unethical practices. How can you charge someone on a XXXX balance? They sent me an email stating that they was closing account because of inactivity.. I should not have to be pressured to use a card, but Im okay with them closing the account. I do not want to do business with a company that use these types of unethical practices.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX continue to report this debt from capital one which is from a account with a original default date of 2010. This account is being reported and has been report consistently and illegally. I spoke with a agent and advised the statue of limitations have expired and this account has to be removed from all reports. Despite my request it has continued to be reported and that is wrong and illegal. Id like these to be removed immediately and cease false reports that have negative impacts on my credit and finances. Ive never received a debt validation from the original creditor because they know it shows a date of 2010! Its been almost 11 years like really this is insane and unfair and unjust and illegal. This account should be closed indefinitely and never resold or reported again. This is my final request before seeking a legal service because calling gets me nowhere but a mediocre supervisor with lies perhaps this communication will get me a real director or manager from the company who will review this account and see what Im referring too. Id definitely want proof of documentation as well.
Consumer complaint received 2021-03-14
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. (MI)

Collection accounts has been misreported on my credit report. 
with XXXX  XXXX XXXX, and Equifax. Ive disputed with all three credit bureaus certified mail XX/XX/XXXX, AND XX/XX/XXXX, and previous times in XXXX. I'VE I ask for validation/verification for the following : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX Ive requested to see Verifiable proof with an original consumer contract with my signature on it. Under FCRA unverified accounts must be removed. XXXX  XXXX XXXX and Equifax failed to do any of the requested.I was sent investigation results : VERIFIED as Accurate without any supporting requested documents. Ive been in a number of breaches date breaches regarding XXXX and Equifax.. This has had negative impact on my credit scores. 

Ive requested removal several times through all the companies if they are unable to provide me copies with original signatures However this information still remains on my credit report as of
Consumer complaint received 2021-02-12
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. (OH)

There is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX  XXXX Account Number # XXXX COLLECTION Opened XX/XX/19 Amount {$220.00}
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :