davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (UT)

I have a mortgage loan serviced by Nationstar Mortgage # XXXX. My XX/XX/XXXX Principal payment they totally screwed up. I submitted a handwritten and signed instructions to apply to principal only. They disregarded and applied to the XX/XX/XXXX payment of interest. I obtained a payoff from Nationastar and sent good funds in the form of a cashiers check drawn on XXXX XXXX XXXX in XX/XX/XXXX and mailed it to their payoff address on the demand with extra days interest. On XXXX XXXX, Nationstar cashed my cashier check. They started contacting me about being delinquent on my loan. After talking to them I provided from my credit union a copy of the endorsed and cashed check ... .endorsed by Nationstar Mortgage. They submitted the dispute and on XXXX XXXX they send a letter XXXX saying theyXXXX made no error and that they were unable to locate my XXXX last check. I called on XX/XX/XXXX and talked to one of their service people who said he could clearly see they endorsed the check and cashed it. I am getting calls from Nationstar daily for being delinquent on the account. Obviously now that it is almost two months later and still unresolved from when they cashed my check they will erroneously report my credit profile as being 30 and now 60 days late. This is ridiculous. Within the past couple days I received a notice of a certified letter. My wife drove 30 minutes to the post office and back XXXX cities away to find a certified letter saying I am late on this account. I have had upwards of XXXX mortgage loans and this is by far the most incompetent servicing I have seen in my life. I called today and it is still not resolved. There is no process to expedite resolution which is a major flaw in their system. You should not go to the back of the resolution line and start your 7-30 day process over again. They should be able to email a manager and get it done now. Instead evidently I will continue to be harassed day and night and perhaps by mail on my so called delinquent account that I paid off just short of two months ago.
Consumer complaint received 2016-03-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NH)

I faxed tax exemption paperwork ( veteran credit of {$300.00} for the year ) from the XXXX, NH town hall with selectmen signatures and state seal and approval from the state of New Hampshire to Nationstar on XXXX XXXX. I instructed them to speak with XXXX from the XXXX, NH town hall who is in charge of the XXXX, NH taxes. They told me it would take about XXXX business days to look over paperwork. Nationstar will not recognize the credit as they said they reached out the town hall and Nationstar said there is no credit on my account per XXXX. I do not think they called the correct town hall, as I told them to speak with XXXX. I then called the XXXX, NH town hall and XXXX from the XXXX, NH town hall verified that I have had the credit on my account since XXXX XXXX, 2016! So, Nationstar is overcharging me for escrow by {$300.00} since they are not doing their jobs properly. I have called Nationstar over 7 times and it seems that I am dealing with escrow customer service and managers that just do not want to look into the matter. I am very confused with the fact I submitted the appropriate paperwork and they do not want to recognize, this is illegal on their part.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XX/XX/2017 a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$160.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2024-06-20
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-20
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: Experian Information Solutions Inc. (MI)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

This is my follow regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation, including [ list the documents attached, such as police reports, identity theft affidavits, etc. ], for your reference during the expedited investigation. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2019-08-04
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. (NY)

I submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My XXXX child   was born in XX/XX/XXXX and prior to that I was XXXX. 

1 ) XXXX XXXX  XXXX  XXXXt XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. Thank you.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

started XXXX with the first notice from Fifth Third Bank. l explaned up front that l have never used XXXX with their bank. Someone hacked my bank account through XXXX. they withdrew the money from the accts of three banks and a credit card. all funds were given back except for Fifth Third Bank that l am still struggling to work with, but their decision became final, stating that l had to have given them a passcode, of which l did not. they reopened the case a couple times with the same results. ln the beginning they gave me a portion of the money back, putting it into a new acct. and that was taken out of the new account again through XXXX  before l could get into my ''new '' checking acct. Everyone l talk to at Fifth Third says that they know that it was fraud, they reopen the case and then l receive another letter of denial with the same decision blaming myself for the mishap. l have tried everything possible without any success. l am still getting phone calls from a fake fifth third bank phone number and they even leave a message! l have pictures of the numerous caller ID 's that show up on my home/cell phone. l have also saved messages. l believe they are trying to get me to answer the phone so they can get back in. When they call it shows up, 5/3 Bank. lf Fifth Third calls from a branch it shows up spelled out. l believe that l answered the phone when the hackers called and that's how they got into my banks through my computer or cell phone. They, as of XXXX, are sending to collections from an ''auto-withdrawal that went throgh.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-20
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: Experian Information Solutions Inc. (DE)

I am following up with the CFPB for the second time and relation to my one and only address i have provided the companies XXXX experience and XXXX with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. 

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus XXXX, XXXX and Experian and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. Addresses : The following are, Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize them. The inquiries Are also listed below XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX I have given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be noted
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2023 I applied for an American Express Hilton card that offered XXXX points when spending {$2000.00} in XXXX  months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points since the offer had expired but I explained it is active on the AMEX website. He then realized he was wrong and figured out a way to get me accepted. I asked him if I will get the bonus points 100 % for sure. He said yes I will. after receiving my card I asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted even though the guy on the phone reassured me multiple times that I got it. 

I opened an investigation with AMEX but they are taking too long and they explained that there is a chance i will not get it. I want someone to listen to the phone call I had with the agent on XX/XX/XXXX and I want my bonus offer.
Consumer complaint received 2024-06-20
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. (OH)

On XX/XX/year> the CFPB sent Experian a dispute about the accuracy of an account listed on my Experian credit report. On XX/XX/year> the dispute of the account listed on my credit report was completed and verified as 100 % accurate and updated, how is this possible as being 100 % accurate, the balance history is inaccurate, the charge off date is inaccurate, the status updated is inaccurate, the payment history is inaccurate. But on XX/XX/year>, XXXX claimed to have verified all of these inaccuracy 's listed above. 

Account : XXXX XXXX XXXX XXXX Results Experian Report # XXXX Date Generated XX/XX/year> 2024
Consumer complaint received 2024-09-19
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. (GA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
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've noticed unfamiliar items on my credit report that appear to be the result of identity theft, as I did not authorize these accounts. I have previously discussed this issue and now urgently request the removal of these accounts from my report. Their presence is causing me significant stress and does not accurately reflect my financial history or responsible money management. If we can not resolve this matter promptly, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue swiftly.
Consumer complaint received 2024-06-20
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 XXXX 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 2024-06-20
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. (CT)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 2024-06-20
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. (TN)

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 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 2024-06-20
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.