davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2023-11-23
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. (OH)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
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. (AK)

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 NumberXXXX Account name : XXXX XXXX  Account NumberXXXX XXXX Account name : XXXX Account Number : XXXX, Account name : # 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 without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section- States no consumer reporting agency containing any of the following items of information any other adverse item of information other than the 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 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAXXXX SSN : XXXX | DOB:XX/XX/XXXX XX/XX/2024 Equifax Subject : Request for Investigation and Correction of Credit Report Information. 

Dear Sir/Madam, I am writing to formally dispute the accuracy of specific information in my credit report, as provided under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. After reviewing my credit report, I noticed several discrepancies that I believe are inaccurate, incomplete, or unverifiable. The accounts in question are listed below for your reference : XXXX - XXXX In accordance with the rights granted to me under the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate the accuracy and completeness of all information associated with these accounts. If, after your investigation, the information is found to be inaccurate or unverifiable, I ask that it be promptly removed from my credit report. In addition, I would like to remind you of your responsibility to complete this reinvestigation within 30 days. Should you be unable to verify the accuracy of the information within this timeframe, I expect the immediate removal of these items, as required by law. Moreover, I request that you review the procedures used to report this information in the first place to ensure compliance with the standard of maximum accuracy required under 15 U.S. Code 1681e ( b ).
Consumer complaint received 2016-03-07
Product: Payday loan — 
Issue: Can't contact lender — 
Company: NCS, Inc (MD)

I keep receiving calls from NCS Collections for an alleged payday loan that I do not owe. When I asked for the original creditor and documentation the caller refused to provide me with the request. I was then threatened with arrest and was told that I would be receiving a summons to appear in court. After conducting my own research it appears that this company has threatened consumers all across the country with these fraudulent payday loans and have violated the Fair Debit Collection Act on a daily basis.
Consumer complaint received 2015-11-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hello, The problem that I have is with Escrow Office : On XXXX XXXX, 2015 the funding was made and loan with Nationstar was paid off. 
All my accounts including Escrow Account must be closed onXXXX XXXX, 2015. I have the payoff statement with Escrow balance {$2000.00} and Disclosure Statement with balance of {$2100.00}. They show XXXX different balances. 
From XXXX XXXX, 2015, I do not have FHA loan anymore and consequently, I do n't have to pay MIP. 
Unfortunately, Escrow Office sent to me a Disclosure Statement written on XXXX/XXXX/2015 and transaction in it, made on XXXX/XXXX/2015. This is a violation of the Accounting Principles. They ca n't write a statement before the transaction is done. 
Also, the most importantly, they ca n't make any transactions after the account is closed. The statement that I provide shows that Escrow did bill me on XXXX XXXX, 2015 for the amount of {$250.00}. This is incorrect transaction because is made on closed account and that makes the entire Disclosure Statement incorrect. That is a shame. 
At first time when I called, I spoke with agent XXXX ( agent # : XXXX ). After she talked to Escrow Office, she told me that I am going to receive XXXX separate checks : XXXX for {$1800.00} and another XXXX for {$250.00}. On my question : " Why XXXX checks, it should be only XXXX check '', she said ; " I am not sure. " Until today, I got only a check for {$1800.00}. The second check is still missing. 

I called again and I spoke to agent XXXX. She said that they already sent the money to the Billing Department and I have to solve the problem on my own by calling XXXX. I told her that this is their mistake and they should fix it. 
I asked for the manager, she refused to give me the phone number. I asked for the address that I can write a letter, she refused to give me the address. Then she transferred my call to XXXX from Escrow Department. XXXX answered the phone : " Hello, this is XXXX may I help you? " I said : " Hi XXXX, this is XXXX XXXX and I want to talk to you about my Escrow balance and the check that I did not receive. 
XXXX repeated the same : '' Hello, this is XXXX may I help you? " Then I asked : " Do you hear me? " She said : " No, I do n't hear you. You need to call back. ", and she hung up the phone on me. 
I was very disappointed and frustrated. What XXXX did, is disrespectful to me as a customer, disrespectful to the job and to Nationstar Mortgage that hire her for this job. 
I am still waiting for the check of {$250.00} from Escrow. 
After all, I have a letter from Nationstar Mortgage that says, they need time until XXXX, 2015 to solve the problem. I strongly disagree with this response and I would like the problem to be solved in better timely manner. 
Another problem is that Nationstar Mortgage reported me with partial payment to my Credit Report. This is not true. sent all the documentation to prove it. Please correct my Credit Report. 
Thank you! 
XXXX XXXX provide a copy of Disclosure Statement and Pay Loan in Full Statement.
Consumer complaint received 2015-10-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Management Services, LP (CT)

XXXX was paid off last XXXX 2014, no bills OR notices have been received at this address. NOW 2 months ago we get calls at ALL hours of the day from multiple numbers, PLUS my married sister got them at her home., I got them at work.I have called them repeatedly and told them XXXX said is WAS THEIR error and that I owed nothing. Still calls and letters, first demanding {$6000.00} plus, then 3 payments or {$2000.00} plus now it 's {$2400.00} to settle debt that I do NOT owe. I have told them REPEATEDLY to straighten it out, THEY ARE RUDE AND OBNOXIOUS AND refuse TO LISTEN all they say is send the money. I have asked them to show me a bill from XXXX and all the sent was statement saying I owe {$6000.00} plus but NO idea where they got that figure. I have received NO BILL from XXXX for over a year about anything.
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MS)

On XX/XX/2020 I attempted to send payments of {$50.00} and {$200.00} using my Cash App with my payment method of a credit card from XXXX ending in XXXX. Both transactions initially went through, but were declined on Cash App 's side in minutes. Cash App has restricted me from contacting them online by preventing my doing so and only providing a generic statement about cancelled payments. Cash App is providing no letters and only a physical address for them to be contacted at when they are an ONLINE MOBILE service.
Consumer complaint received 2024-10-12
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : [ Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Inaccurate Credit Reporting by XXXX After Loan Consolidation Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the inaccurate reporting of closed student loan accounts by XXXX on my credit reports. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that furnishers of credit information maintain accurate and fair reporting practices. 

Summary of the Issue : I had two student loan accounts with XXXX under account numbers XXXX ( balance : {$20000.00} ) and XXXX ( balance : {$12000.00} ). Both accounts were consolidated and transferred to XXXX ( Department of EducationXXXX ). As a result, these two accounts with XXXX were closed upon consolidation. 

However, both of these accounts with Dept of ED XXXX XXXX are still inaccurately reporting open balances on my credit report, despite the consolidation and transfer of the loans. This erroneous reporting is misleading, negatively affecting my creditworthiness, and causing significant confusion. 

Violations : XXXX is in violation of the FCRA by : Failing to update and ensure the accuracy of the information furnished to credit reporting agencies. 
Incorrectly reporting these closed accounts as still open and carrying balances, when the debts have been consolidated and transferred to XXXX. 
Harm Caused : The inaccurate reporting by XXXX has damaged my credit score and caused difficulty in obtaining new credit. I have also faced undue stress and confusion due to this ongoing misreporting, which should have been corrected promptly after the consolidation was completed. 

Actions Requested : I request that the CFPB take the following actions : Investigate Nelnets inaccurate reporting practices and hold them accountable for failing to update my credit report after the loan consolidation. 
Require XXXX to fully delete these accounts from my credit report since they no longer have any active involvement in these loans. 
Ensure that XXXX complies with all provisions of the FCRA and provides accurate, up-to-date information to credit reporting agencies. 
If it is found that XXXX willfully or negligently violated the FCRA or any other relevant federal statutes, I request that the CFPB take appropriate corrective actions, including fines or any other penalties as deemed necessary. 

Thank you for your time and consideration in resolving this matter. I trust that the CFPB will take the necessary actions to ensure that XXXX corrects their inaccurate reporting and complies with federal law. 

Sincerely, 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am reporting an issue under Section 605c of the FCRA ( Section 605c of the Fair Credit Reporting Act ). Thank you for your attention to this matter and express your hope for a prompt response. I am reporting an issue of inaccurate information of numerous accounts that is not mine. This information is highly affecting my credit score and my ability to secure loans. Please remove these accounts. These accounts are not mine.

Please have these accounts removed as soon as possible. These accounts listed are not mine. 


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 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

According to 15 U.S. Code 1681 ( c ) ( 1 ) ( 3 ), your agency is prohibited from reporting inquiries related to credit or insurance transactions not initiated by me, unless these transactions fall within the exceptions outlined in the law.
Consumer complaint received 2024-10-12
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. (AR)

Subject : Formal Complaint Regarding Credit Reporting Inaccuracies XXXX  XXXX XX/XX/year> I am writing to formally file a complaint against XXXX  XXXX regarding persistent inaccuracies in my credit report associated with my XXXX  XXXX credit card account. 

I have disputed these inaccuracies multiple times, yet they remain unresolved. Specifically, my credit report lists the same XXXX XXXX account three separate times, two of which show identical dates, and the third indicates a different date. This account is tied to a XXXX  XXXX bankruptcy, yet I continue to be pursued for collections on these accounts. This has resulted in significant financial strain, including the need to secure a loan to settle these debts, which I had to repay with interest. 

The inaccuracies on my credit report have not only affected my credit score but have also led to severe emotional distress, XXXX, and even homelessness. The continued reporting of this single account as three different entries has created a misleading financial picture of my situation. Furthermore, I believe my personal information has been sold to third parties without my consent. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I request the following actions : Immediate deletion of all inaccuracies related to this XXXX  XXXX account from all three credit bureaus. 
A refund for any settlements paid as a result of this misleading information. 
Compensation for the financial and emotional distress caused by these errors. 
If these matters are not resolved promptly, I am prepared to take legal action against XXXX XXXX for damages incurred. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 
XXXX  XXXX CREDIT CARD # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX AMOUNTS SETTLED 2 @ {$770.00} AND 1 @ {$1700.00}
Consumer complaint received 2016-01-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My name is XXXX XXXX XXXX I am the XXXX more then 8 years as XXXX & XXXX. 

I am in the middle of a modification with Nationstar on my home loan here in XXXX XXXX CA After being invited in writing to apply for modification in XXXX and just this XXXX having been approved with an unexceptipal modification offer because it forgot to include the $ XXXX principal reduction alocation. I received approval from XXXX for the priceable pay down I am faced with the fact that Nationstar filed a " Notice of Default '' right in the middle of my loan modification consideration time period. I have become a victim of " Dual Tracking '' I am afraid i will shortly receive a 21 day notice of sale as a result of this mistake. 

I need help to get the Nationstar bank to recall the " Notice of Default '' in direct violation of the " CA Homeowner Bill of Right '', this is an error and i cant get the bank to self correct. 

I need to move forward in a positive way. 


how can your office open a case for intervention?? I have to meet a client in XXXX XXXX. Friday I will leave the usa so we have to move fast as you can understand. 

Please help me
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Around XX/XX/XXXX or XX/XX/2016 I called Nationstar Mortgage and told them that I 've mailed via USPS Certified Mail a payment in the amount of {$6900.00} which was the total amount due to cure the default/delinquency. I even offered to give the USPS Certified Mail Tracking Number to the Nationstar Representative, but she told me that it was not necessary. The Representative told me she would enter this information ( payment being sent ) in the system. And that everything was good ; that the property is not in foreclosure. 

XXXX XXXX, 2016 I called Nationstar Mortgage to check on the status of my file. The Nationstar Representative tells me that Nationstar referred the file to Nationstar 's Foreclosure Attorney on XX/XX/XXXX ( one or two days after I spoke with them ) and that they were returning the {$6900.00} payment I made. The representative told me that now, in order to cure the default - I need to send Nationstar Mortgage {$8500.00} plus any Attorney Fees and other fees that Nationstar Mortgage had advanced. And that I had until XX/XX/XXXX to come up with the additional monies. 

Incidentally, the Nationstar Representative told me that she would request from Nationstar 's Foreclosure Attorney the amount of the attorney fees they charge ; which she added, could be anywhere from about {$200.00} to {$2000.00} or more depending on what the Foreclosure Attorney charges ; that she would know the exact amount next week. But one thing is for certain, I had until the end of the month ( XXXX XXXX, 2016 ) to come up with the additional monies. 

To re-iterate, during my phone call around XX/XX/XXXX or XX/XX/XXXX, Nationstar Mortgage lead me to believe that everything was going to be fine and that I had nothing to worry about. But on XX/XX/XXXX, I was shocked to learn that Nationstar Mortgage is foreclosing. I performed and paid in full the {$6900.00} what Nationstar Mortgage told me I owed to bring the loan current. It is clear that mistakes were made by employees at Nationstar Mortgage. And what Nationstar is doing in foreclosing my home and making me pay more costs is UNCONSCIONABLE.