davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-25
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. (NC)

I would like to dispute off the following inaccurate accounts on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-07-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KS)

We bought a house in 2005 using XXXX XXXX. We have owned the house for 10 years, had the account on auto draft, and never missed a payment. In XXXX XXXX XXXX sold the mortgage to Nationstar. Without any correspondence we find out through our credit score that Nationstar is reporting us missing a payment and 60 days late. We contacted Nationstar immediately and provided them will all of our bank statements and documentation showing where we have made all payments. The result is everytime we call we get a different indiviual. Most of the time the english is so broken you ca n't have a coherant conversation. Next, Nationstar will not let you speak directly with the official looking over your case. Everytime we call someone will tell us it 's fixed and then they 'll transfer us and the next operator will tell us they have not even opened up a case number on our complaint. Finally today, Nationstar asked me for bank statements again to include statements from XXXX XXXX. They did not obtain the mortgage until XXXX. This has severely affected my credit score and XXXX transitioning out of the service in the next several months my credit score is crucial in mine and my family 's transition into civilian life. Nationstar has admitted over and over again that it 's " their system 's mistake '' yet they refuse to fix the problem. I do not know where else to turn at this point. When you provide a company black and white proof that you 've done the right thing and they continue to sit on the problem while it affects your financial future is beyond infuriating.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint regarding my ongoing efforts to correct inaccurate personal information with the credit bureaus, which has significantly hindered my ability to verify my identity for important purposes, such as applying for XXXXXXXX XXXX Details of my complaint are as follows : I have contacted the credit bureaus on multiple occasions, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting the correction of my personal information to the following : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : [ Correct Phone Number ending in XXXX ] Social Security Number : [ Correct SSN ending in # XXXX ] Employers : Requesting removal of employer information Despite allowing more than enough time for updates and providing all necessary documentation, I have received only auto-generated responses stating that my identity can not be verified. This ongoing issue has significantly hindered my ability to pursue disability benefits, as the accuracy of my personal information can not be verified due to the credit bureaus failure to update their records accordingly. I can provide documentation showing that I have requested an update, if necessary, as well as supporting documentation to verify my correct personal information. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure that the credit bureaus accurately reflect my personal information in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-10-28
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. (MO)

I initially disputed these fraudulent items, providing comprehensive evidence that substantiates my claim that these items are not related to my financial history. Despite my efforts and the legal obligation for accurate and fair credit reporting, these items have not been corrected or removed from my credit report. 

I would like to emphasize that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these fraudulent items continues to harm my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these fraudulent items, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the fraudulent items from my credit report promptly, as required by law, if they are found to be inaccurately reported or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these fraudulent items, and a written explanation for any items that were not corrected or removed. I am asking for your assistance to remove the following fraud items : 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 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 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-06-25
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. (TX)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2015-07-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I just want to follow up with a previous complaint about Nationstar and their fraudulent customer service practices. I received a call from Nationstar and the person handling my account XXXX XXXX # XXXX. I missed the call and a minute later called back and could n't reach her. I left a voice message. A minute ago, I get a call from the same number and they hang up. I call back and I get the voice mail of XXXX XXXX. I called from my work number and it said the # was n't a working number or the call could n't be completed as dialed. How is that possible when I just received a call from someone from nationstar who hung up right as I answered? This is the customer service issues I am experiencing and have been experiencing since my morrgage was transferred over to this company. Until some government entity intervenes and investigates I am stuck dealing with this deceptive company and their questionable business practices and tactics to steal my home. Again, please help.
Consumer complaint received 2019-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I Have been under a chapter XXXX that was discharged on XX/XX/XXXX. The HELOC loan I have was with XXXX XXXX XXXX. I got a letter from them dated XX/XX/XXXX saying that they have sold my HELOC loan to Specialized Loan Servicing LLC and that they are taking over the loan on XXXX.I am suppose to close on my refinance on XX/XX/XXXX. I have contacted Specialized Loan Servicing daily for the past week and they can not provide a payoff amount yet and are now telling me that instead of XXXX which they originally said they could, now they are saying XX/XX/XXXX!! I also have not received a welcome package from them yet telling me where to send my payment due on XX/XX/XXXX if I end up having to make it, although XXXX XXXX XXXX did say I could get it to them and they would forward it to them. I am concerned about that because of all the bad reviews I see on SLS LLC, as far as them posting payments on time and then charging late charges on those payments that were indeed paid on time. I just want to be able to close my refinance on XX/XX/XXXX as we have planned and am hoping you can urge them to get my payoff amount sent to our loan officer. I can not believe they can't look up that information and get it done for me.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I originally was offered a DOJ principal reduction modification via XXXX XXXX XXXX. Once it transferred to Nationstar, the modification process took over 2 years, and thankfully I was granted a modification. I accepted the trial payments, however when I was advised that I was going to have payments increase over time and also a balloon payment of o $ XXXX, I was not sure what to do. I waited for the actual approval, which I turned in so as not to lose the home to foreclosure. I revisited and modification, and I realize it is just going to be too much for us and I wanted to proceed with a HAFA short sale. I was denied the HAFA because apparently there was a foreclosure sale date posted within 30 days and there would not be enough time to review. This does not make sense as I have been trying to do a workout between XXXX XXXX XXXX and Nationstar for over 5 years! My family and I feel worn out, stressed, scared now because I keep getting notices and people coming to our home saying that we have foreclosure sale dates. I thought that with the Homeowners Bill of RIghts this was no longer going to happen and foreclosure sale dates would be placed on hold. I appreciate that the sale dates have been postponed, however, the fact that the sale date is seen by the real estate voltures is very stressful both mentally and physically. For over 5 years I have been submitting documents in the hopes that I would be granted the DOJ Modification principal reduction. I do n't want to lose our home in foreclosure and I am being proactive in trying to sell the home under the HAFA program. I have paid the trial payments thus far as I was hoping to keep our home but again with the way things have recently changed in my company, they may cut my hours again. The issue with Nationstar is that they have not removed the foreclosure sale dates even though the Nationstar representative assured us that there was no longer a sale date. Apparently in their system, if they see a foreclosure sale date within 30 days they ca n't allow us to review for a XXXX short sale. Why are they just postponing for 30 days rather than postpone until the matter has been resolved? Why would they do this if we are in a workout and also trying to prevent a foreclosure, seems to go against the government regulations. It seems they do this to then say they have granted us so many postponements that we are denied a review? Thank you in advance for your assistance in this matter.
Consumer complaint received 2023-10-28
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-06-25
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. (HI)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2024-06-25
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. (NJ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (GA)

I am a victim of lending and I have a pending litigation with XXXX for not properly investigating. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian refuses to cooperate with the report from XXXX  XXXX XXXX  and correct the current report in error. The payment on XX/XX/XXXX was not {$140.00}. The payment was {$1600.00}. The creditor has acknowledged this and sent the AUD to Experian on XX/XX/XXXX. The AUD # Is XXXX XXXX, Experian call @ XXXX ( XXXX  ) Called me on a recorded line after a member services rep in the same department was unable to give a status of the resolved disputes and the open or closed disputes CFPB is now aware, FTC will also receive this report : Employee ID # ( refuses ) Case # XXXX Department : Disputed Department Title : Supervisor No department to escalate call No information about any of the disputes Refuses to take report number about any of the disputes that have been opened or closed AUD # Is still not reported and a decrease of a total of XXXX points on the XXXX XXXX due to this error and injury
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC (FL)

On XX/XX/XXXX we were supposed to close on our loan application when I noticed that property taxes were still being escrowed on the XXXX form notwithstanding multiple requests to remove tax escrow in the past. I was pressured to close regardless with the assurance from the underwriter XXXX that removing escrow would be a mere formality after closing ( within XXXX days of receiving a written request ). This request was sent on XX/XX/XXXX and took XXXX weeks to get a refusal letter on XX/XX/XXXX. I am now told that escrow can only be removed prior to closing. The escrow removal assurance they provided on XX/XX/XXXX was a lie and a false pretense designed to get me to close on the loan regardless. XXXX  months of property taxes were also collected as part of closing costs.
Consumer complaint received 2024-07-23
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. (NC)

For the past 6 months I've been trying to remove a Bankruptcy file from XXXX, Equifax and XXXX and they have denied me with all my efforts. I started with the court that is attached to this file number, they responded by letter stating that they do not disclose these cases to credit bureaus. Simultaneously I requested a full report from XXXX XXXX and they too had a bankruptcy file on my records with them but after sending out a letter to them asking that it be removed if they could not show me where I consented to them reporting my information ; they proceeded to remove this account and also sent me an update that it had been removed. Their response ( letter from XXXX ) along with my court response was sent out to XXXX, Equifax and XXXX on two different occasions which they claim their resources to be accurate. Neither of these bureaus have let me know who their " sources '' are that they are receiving my personal information from and I feel as though I am entitled to know that information. This is a misuse of my personal information and has truly affected my lively hood. Looking forward to the CFPB assisting me on this matter.