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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$460.00}
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. (GA)

Notice of Impending Lawsuit Sue to Erroneous Errors on Credit File To : TransUnion, XXXX XXXX XXXX I have previously notified your credit reporting agency in reference to two XXXX XXXX credit cards that have been placed on my credit report without validation. 

It is my understanding that your agency receives compensation to report this erroneous error. This is official notice that I am disputing these errors despite previous notices. Despite my efforts to resolve the discrepancies, I have not received adequate responses or corrections to my credit report, thus leaving me with no other alternative than to consider legal action. 

Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or incomplete information contained in my report. I have provided supporting documentation and evidence to support my claims. 

As a result of these unresolved errors, I have incurred denial of credit, higher interest rates, and loss of business opportunities, which have negatively impacted my financial standings and overall being.
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. (NC)

In according 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. 

Accounts : LXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

I looked at my Experian credit on XX/XX/2024, and noticed some things are incomplete and not accurate. And 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 ). And according to 15 USC 1681i ( 5 ) they're suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If, 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 has been modified or deleted from the file of the consumer. And according to 15 USC1681s-2, they're suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2015-12-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CT)

XXXXNationstar Mortgage foreclosed on my father 's home at XXXX XXXX XXXX, XXXX CT XXXX & the title did not revert back to the bank until XXXX/XXXX/2015. XXXX/Nationstar Mortgage illegally locked me out of the home from XXXX to current not allowing me to retrieve my personal belongings. I have tried for well over a year to get access to the home by the bank but have been ignored and unacknowledged. 
This complaint is not about the foreclosure itself but about the process that was not followed by the bank to evict my personal belongings. According to the law, the bank forecloses on the real property not the personal belongings inside the house. The personal belongings became a tenant to the house and the bank then would need to file the appropriate paperwork to have the belongings removed. The only person who can remove property from a home is a XXXX XXXX and that is only after ejection paperwork has been filed and processed and approved by the courts. 
I notified the Nationstar 's hired bank representative XXXX XXXX of XXXX XXXX in XXXX CT once I notice they had the home on the market and identified that the property inside the home is mine and I needed to retrieve it. She refused me any access and said she did not know how to get in touch with the bank. I asked her for contact # or email to the bank and she said she did not have XXXX. Immediately the next day I was advised by XXXX of my former neighbors that the house was being unloaded and dumpsters were being filled up ( see pics ) as well there were multiple pick-up trucks loading my property inside their vehicles. 
I again attempted contact with the banks hired representative XXXX of XXXX and she refused to help and told me she did not know how to get in touch with the bank. I said what they were doing was illegal and they had no jurisdiction to take my property from the home. 
In the meantime we were in contact with XXXX XXXX, State Prosecutor for the XXXX XXXX Connecticut XXXX Court who help us initiate an investigation with the XXXX Police for both criminal/civil actions. The XXXX Police have an open case file on this matter ( still open ) and they also have been in contact with all the parties as well. The police advised all parties that no property was to be removed any further from the home and everything was to be put back into the home from the dumpsters. They again were ordered to put all the property left in the last of the XXXX dumpsters back into the house and advise all representatives that there was a criminal investigation going on & that it was illegal to remove it.
Consumer complaint received 2023-04-18
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. (OH)

It is ridiculous how unfair the reporting process is. When you create debt it appears within days on your credit report. When you pay it off Trans Union and XXXX fail to ever update it even after several disputes. They should call it the Unfair Credit Reporting Act.
Consumer complaint received 2016-12-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was a victim of identity theft and noticed a collection from PORTFOLIO RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PORTFOLIO RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (AZ)

My Mother,   XXXX   XXXX  , who was diagnosed with   XXXX   2 years prior to the origination of the FHA reverse mortgage. I struggled after finding out with the service, Financial Freedom. They have been horrible to deal with.
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Its been a year now since her death and Financial Freedom is still at foreclosing.
The house is in horrible condition. Financial Freedom arranged an appraisal that is per current sales. My mother 's house has not been repaired for 20 years now.
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I received notification from the servicer that they will not postpone the foreclosure. Financial Freedom even set the price on a short sale.
A short sale package was submitted to Financial Freedom over a month ago. How can they set the price on a home??????????????
Consumer complaint received 2015-12-14
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (ID)

My mother 's reverse mortgage serviced by Champion Mortgage went into foreclosure for failure to pay taxes & homeowners insurance. When she finally told me what was happening I sent the loan servicer, Champion Mortgage, an authorization for me to access her account info ; it took them several days & multiple faxes for them to update the account & speak with me. After repeated calls I was only able to obtain a verbal quote of {$18000.00} to cure the default - Champion refused to provide written breakdown of costs, nor written confirmation that the amount would stop the sale. I confirmed several times with XXXX XXXX XXXX at Champion that {$18000.00} was correct & on XX/XX/XXXX I sent XXXX cashiers checks totaling {$18000.00} to their XXXX MI office as instructed ; I sent it via overnight XXXX & have XXXX delivery confirmation for XX/XX/XXXX. Since XX/XX/XXXX I have called nearly every day to confirm account is current & to request breakdown of what the {$18000.00} paid for. I have detailed notes of who I spoke with & when. XXXX reps, XXXX & XXXX, were very professional & really did try to help me within the confines of their company, but several reps were unbelievably rude, condescending & nasty : XXXX & XXXX in particular were incredibly unprofessional & rude ; XXXX hung up on me when I repeatedly requested a supervisor, the other would repeatedly put me on hold for extended periods of time ( over 10 minutes ). It has been over 2 weeks & Champion has my mother 's XXXX & are still proceeding with foreclosure. I spoke with the Trustee conducting the sale & they have not received notice to vacate the sale. I work in XXXX & understand the system & still, I ca n't get this account cleared up, or even obtain an accounting of the money. How can an elderly person with no industry experience hope to sort things out? I know that a reputable loan servicer has no difficulty providing a written statement nor applying a default cure payment ; I deal with many lenders at work & know what to expect. This is beyond the pale. They also gave me a false foreclosure date of XX/XX/XXXX to push me to send money quickly ; per the Trustee the actual sale date is XX/XX/XXXX. Remember-this is a reverse mortgage, specifically for the elderly - there is no way that my mother would not stand a chance of getting this account cleared up & stopping the sale. I need help to force them to acknowledge the cure funds, stop racking up trustee foreclosure fees & provide an accounting ... please help.
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. (MD)

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 : XXXXXXXX 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 : XXXXXXXX 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 2015-12-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

When I got my current escrow analysis, I noticed my escrow payment was going up a considerable amount, and I knew there had to be a mistake as I made an extra payment into my escrow account to cover an increase in insurance and taxes. After reviewing the escrow analysis I noticed an error in calculating the actual dispersements. The numbers listed did not total to current number. The numbers listed in the column totaled {$4100.00}, yet the escrow analysis showed the total to be {$4900.00}. The difference is {$820.00}, which was the exact amount of my homeowner 's insurance. It 's evident someone added my insurance twice. ( I will attach the statement so you can see what I am speaking about. ) I have tried to clear this up with Nationstar. Over 6 weeks I have made XXXX calls and spoken to XXXX escrow managers and have been assured that the problem would be corrected. Yet my most recent statement still shows the incorrect total being collected for escrow. In fact I have already made XXXX payment with too much escrow in it because I did n't want a late payment on my credit report or pay a late fee. They are collecting {$410.00}, when the correct amount should be {$340.00}!! That 's over {$68.00} per month they are billing me in excess. The sad part is that I am in the mortgage industry and have an understanding of how escrow and escrow analysis works. Had this happened to the average person, they would n't have caught the problem and just sent the extra money to Nationstar. I am frustrated and just want my escrow corrected!!!
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (PA)

I have put about XXXX checks in this account. Every check I deposit has been placed on and extended amount of hold time. Every-time I place a check in this bank it flagged. I feel like I'm been targeted because of my name and discrimination. My father passed way myself and siblings where giving money as a beneficiary. My siblings checks cleared with no issues or additional holds. For some reason chase keeps flagging my account. I give them no reason to flag my account. I have never wrote a bad check or have a check bounced that I deposited. I an being targeted. Now I am unable to pay my fathers funeral because they out additional 5 day hold on my account. They don't help when you call all they say they can not disclose why my account is flagged. I am being targeted! I will like to sue for discrimination.
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

As a homeowner for 21 years with not one day late, I applied for a loan modification due to economic recession, reduced income and a divorce. With countless faxes, documents ( mail or fax only ) and run around, XXXX XXXX managed to lose my documents and my payments and threaten foreclosure. I was XXXX a single mother where a family dream home became a nightmare. I finally had to file for bankruptcies to stop the foreclosure after settlement under Independent Review with a mere {$500.00}! I was once again devastated and my life is still in limbo, unstable and no success with modification from XXXX XXXX. Instead they transferred ( or sold ) my loan to Caliber Home Loans which I was relief thinking there 's light under the tunnel with new services and some relief for they allowing me to email documents and hope for a modification finally I thought. What a deception! Same lost documents, same run around same tactics as XXXX XXXX but worst! Caliber Home Loans never intent to help me with loan modification as my loan information was never set up nor attempt to modify or give me a reason but stonewalling me and not getting all the documents while collecting late fees, attorneys fees and push me further in arrear from the original loan balance from XXXX XXXX of {$170000.00} to now over {$300000.00} which is stealing my equity and my retirement!!! If this is not a slap in the face robbery, I do n't know what is. How is this practice being allow to happen in America? So unethical, so wrong especially when they promised to help, instead they are robbing you from everywhere and from behind the scenes!! Thank God my attorney let me know about CFPA and this website to finally file a complaint! Please help me to stop these Goliaths from harming me any further!!!
Consumer complaint received 2024-10-06
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. (SC)

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave Transunion, OR the below listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion LLC, Legal Department XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Attention : Office of General Counsel Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to privacy as a federally protected consumer. This entitlement is reinforced by the Privacy Act of XXXX  specifically articulated in 5 U.S. 
Code 552, which governs the disclosure of public information and the regulations pertaining to agency rules, opinions, orders, records, and proceedings. I am instructing your Financial Institution to DELETE UNVERIFIED INQUIRIES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is effective immediately and indefinitely. 

TITLE VICONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. * * * * * * * COMPULSORY USE OF ELECTRONIC FUND TRANSFERS Sec. 913. [ 15 U.S.C. 1693k ] No person may * * * * * * * ( 2 ) require a consumer to establish an account for receipt of electronic fund transfers with a particular financial institution as a condition of employment or receipt of a government benefit. 
REMOVAL OF INACCURATE INQUIRES PER TITLE VI CONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) Sec. 913. [ 15 U.S.C. 1693k ] DELETE INNACURATE INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (PA)

In XXXX of 2015, I received a letter in the mail telling me that I could apply for mortgage relief in the form of a modification to reduce my monthly mortgage payment. At that I was current on my mortgage but I was struggling to make the payment as I have XXXX children at home and my husbands income had been reducing steadily. I called the number on the card because it stated that it was part of the XXXX program and I thought it would be a legitimate program. The letter also had the HARP logo on it. When I called the number it was a group called XXXX XXXX XXXX. They had me talk with XXXX XXXX. They gave me a case ID # XXXX. She told me to stop paying my mortgage to be able to show a financial hardship. She also told me to keep very little money in the bank. Over the course of the last eleven months I have sent many documents, some of them over and over again. I have had many difficulties gettin in touch with them to ask questions. I recieved a certified letter from my lender stating I was in forclosure. XXXX told me not to worry about that. It was a norml part of of the process. In XXXX of 2015 XXXX notified me that my lender would not participate and the offered a forbearance plan of {$2700.00} over twelve months in order to become current. My husband lost his job in XXXX so the forbearance plan was completely unreasonable for us. I was speaking with a representative of XXXX and told her about my husbands lack of employment and she said we could start the process over with the new circumstances. Shortly after that conversation I received a notice to appear in Mortgage court. I appeared on XXXX XXXX and was told that Nationstar Mortgage was proceeding with the foreclosure. The attorney hired to represent Nationstar Mortgage was very upset with our situation. He told me we were taken advantage of and scammed. He told me to take this to my state representitive. I paid XXXX over thee thousand dollars, adheared to eveything they required and ask of me. Now I am faced with bad credit, and trying to find a home for my husband, myself and my XXXX minor children. Please help. Thank you.