davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

XXXX XXXX, 2015 received notice from XXXX XXXX XXXX that servicing of my loan account number ( XXXX ) would be transferred to Nationstar Mortgage new loan number ( XXXX ) effective XXXX XXXX, 2015. The letter also related that the transfer " does not affect terms and conditions of the loan. '' XXXX XXXX payment was sent to XXXX XXXX XXXX and forwarded to Nationstar, no issues. 

I then received a letter from Nationstar on XXXX XXXX, 2015 detailing a principle balance of {$80000.00} with an interest fee of {$460.00}. The principle balance was correct as far as the transfer goes but the {$460.00} interest fee was a clear error ; given the APR and amortization table the first payment five years ago was not this much interest. 

On XXXX XXXX, 2015 I telephoned Nationstar 's customer service line to clear up the discrepancy. The customer service representative told me that he sent a form that explained I demanded an explanation of the interest fee. 

Also on XXXX XXXX, 2015 I mailed a letter following the process to dispute the validation of debt ( {$80000.00} + {$460.00} = {$81000.00} ), and to ensure all my bases were covered. 

Yesterday, XXXX XXXX, 2015 I received a letterRE : FHA Case Number : XXXX Loan Number : XXXX Payoff Requested : XXXX XXXX, 2015It was a mortgage payoff statement. 
It is my belief that Nationstar Mortgage received my dispute and instead of correcting their mistake is intentionally misinterpreting my letter as a request for a mortgage payoff statement. 

I also computed the math on the Mortgage Payoff statement that I received and the discrepancy still exists in the amount of {$390.00}. 

Thank you for your assistance it is greatly appreciated. 

Sincerely, XXXX XXXX & lt ; Copy of Letter sent & gt ; Loan Number XXXX XXXX XXXX XXXX XXXX, CO XXXXTo whom it may concern : I dispute the validity of the total debt {$81000.00}. 

I received correspondence from XXXX XXXX XXXX explaining that my mortgage was being transferred and the terms would remain the same. I also received correspondence that the principle balance at the time of the transfer was {$80000.00}. 

I was on hold with one of your nationstar representatives for XXXX plus minutes to uncover the discrepancy without an answer. If it is your companies ' contention to steal money from your customers I will be notifying my congressman and the XXXX.
Consumer complaint received 2019-08-06
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. (FL)

This old Medical bill was never sent to me or disclosed to me at the time of service. This was a Co-Payment from my Insurance not covering the full amount, the amount shown is incorrect and I paid this account in full. I believe it should be removed from my Credit reports as it meets FCRA guidelines, This collection company for the hospital is practicing in bad faith, it shows that this was closed on XX/XX/2019 which is inaccurate, This was paid many years ago.
Consumer complaint received 2024-02-19
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: JPMORGAN CHASE & CO. (WA)

Chase Auto keeps changing the first delinquency date on all three credit agencies keeping this old loan on all XXXX  credit files when they should have removed it. 

As you can see, Chase reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



Chase Auto also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local Chase Bank XXXX, WA on XXXX XXXX XXXX. XXXX and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that Chase Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of XXXX, XXXX.
Consumer complaint received 2024-07-16
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. (FL)

Following 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Delete the accounts below : - XXXX. XX/XX/XXXX. 
- XXXX  XXXX. XX/XX/XXXX. 
- XXXX. XX/XX/XXXX. 
- XXXXXXXX XXXX. XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX. 
- XXXXXXXX XX/XX/XXXX. 
- XXXX XXXX  XXXX. XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX. 
- XXXXXXXX XXXX. XX/XX/XXXX. 
- XXXX. XX/XX/XXXX. 
- XXXXXXXX XXXX  XXXX. XX/XX/XXXX. 
- XXXXXXXX XXXX. XX/XX/XXXX. 
- XXXX XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX. 
- XXXX XX/XX/XXXX. 
- XXXX XXXX XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX.
Consumer complaint received 2024-07-16
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. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-06-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

The company, Nationstar Mortgage purchased our Mortgage last summer ( XX/XX/XXXX ). In XXXX, our payment dropped down, as the insurance policy had been paid, which had been carred through our formal lender, that sold our note to Nationstar. In XX/XX/XXXX, we began to look for the notice of the new Policy, in XXXX, we asked on the phone. We were told there was no policy in place and our payment was the same. $ XXXX/month. We asked again in XXXX, and in XXXX, with the same result. In XXXX, however, we received a notice that they had, infact, placed a Hazard policy in XXXX, and now want $ XXXX/month. We immediately sought and found our own policy. As well as notify Nationstar of our intent to do so, To my Astonishment, I was told they had paid for this policy with no notice to me at all, until three months after the fact. I still dont know if they will accept of refuse to accept the policy I have acquired. I do know they are not applying our payment to the mortgage note, as it is not the {$720.00}, they want. They have accepted the payment, and cashed the check, but they have placed in a holding account, rather than apply it to our note. I have found the following Link, for your convenience, concerning the consumer protection act in regards to this particular topic. You will find, about half way down the page, in section ( c ) requirements before charging the borrower .... Please help me keep our home. ( Please note : today, XX/XX/XXXX, I have established the online access with Nationstar to obtain documents to send with this complaint. I see in the statements, below the amount due section, which still shows the {$470.00}, and is what my husband saw, and called in, and was confirmed as the actual payment due, these statements show the hazard policy amount appearing in XXXX. Still, there is no advance notice of this purchase that I can find. )
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX, XXXX XXXX XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days 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. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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)

There are accounts and information on my credit report that is not accurate. 
They are unauthorized and show be removed from my credit report immediately. 

XXXX XXXX XXXX opened XXXX  2024 balance {$240.00}. This account was opened without my knowledge and should be removed. 

XXXX  XXXX inquiry on XXXX XXXX  2024. This inquiry was done without my consent please remove from my credit report.
Consumer complaint received 2024-07-16
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. (MO)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-16
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. (FL)

The current issue involves an incomplete and inaccurate credit report from TransUnion XXXX and XXXX, which has severely impacted my ability to obtain credit. Despite attempts to verify and resolve dispute the matter, the report accessed from TransUnion 's XXXX and XXXX website displays no information, like XXXX account that was resolved XXXX  that was paid and inquiries that I did not make resulting in denials for credit applications, The only degrees that should be on my credit are the ones that I knew I was going to get a approval for. This issue urgently needs resolution as it is significantly disrupting my financial affairs and hindering access to essential credit services.
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address inaccuracies in these accounts and consistent requests for thorough investigations, 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-07-16
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. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-07-16
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. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-07-16
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. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-16
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. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (CA)

I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost 30 days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX