davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Our mortgage was with XXXX for several years. Payment was debited from our checking acct. never late on payments, never missed a payment.For unknown reasons XXXX XXXX XXXX sold a bunch of mortgages to Nation Star Mortgage Company located in XXXX. Prior to the mortgage being sold XXXX XXXX XXXX sent a letter stating there would be no change to our mortgage that the transfer would be transparent. From day XXXX we received numerous phone calls from Nation Star.When we returned their call they were not nice at all, stated our loan was in a bankruptcy. I tried to explain to him that the mortgage was not included, not on the list of debts in the bankruptcy not included in the discharge of debts. The man just kept repeating that the mortgage was included regardless. If that was the case it would have been listed in the court documents. The man made me feel like I was a dead beat.. I did file a chpt XXXX and only included debts incurred by my deceased wife.The mortgage was never included in the chpt XXXX bankruptcy..The bankruptcy was discharged in XX/XX/XXXX all the while payments were being taken out of my bank acct by XXXX.I tried repeatedly to explain this to the man at Nation Star he became belligerent. He told me to contact a lawyer that I was wrong.We have made our payments each month to Nation Star.Yet we have people driving by our home taking pictures and this all started when the mortgage was sold to Nation Star. I do not like the harrassing phone calls every month..we are making our payments and will continue to do so. When I googled Nation Star on the internet there are numerous complaints about this company, their tactics, they are failing to honor the mortgage agreements made with XXXX It is not right what they are doing to us. I have owned this home since XX/XX/XXXX, had it built and have no intentions of not making our payments. Plus we own another home that is mortgaged with another company and there is no problem with them, no phone calls nothing and all payment are made every month since XX/XX/XXXX, we have never missed a payment on either home. SO I do not understand the harrassment because we have a mortgage that was sold to them. XXXX XXXX XXXX never harrassed me, never called me every month.
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I was contact within a flyer, and they offert me home loan modification. 1 ) They promise me lower monthly payments. 2 ) Come down the principal. 3 ) avoid foreclousure. 4 ) They request money from me.I gave them {$7500.00}, and after that i dont ear from they any more. I paid them whit check.I started with them since XX/XX/XXXX and last time got comunication whit them:XX/XX/XXXX _
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NY)

1. Difficult to upload documents without a certain format 2. Two items reported of the same company ( positive and negative 3. Difficult to distinguish a phone number to speak to someone on the phone 4. XXXX has updated my student loan account paid but the XXXX  account is still present. XXXXXXXX XXXX XXXX which is now XXXX has reported inaccurate dates on my account account opened may 0f XX/XX/XXXX only showing dates of XXXX 6. Difficult to update personal information
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (SD)

My mortgage company NatuonStar has refused my payments. I fell behind but have been trying to pay what I owe. A few months ago I sent a {$3000.00} payment which they never put towards my debt just kept suspended, when I trod paying another {$1000.00} they refused to accept it. I pay electronically. I have called so XXXX times and they do not answer, I have been on hold for over half an hour and messages left never get a response. At my wits end I asked for help from my local XXXX and they say my loan inand I needed to pay {$6000.00} to bring it out if forclosure Which I did. They had mailed me a check for {$3000.00} I had paid over a month prior and used my own money as well as a loan from my mother. I sent a cashiers check certified mail. My XXXX person said they had received it but there would be some legal fees. The very next week Nationstar returned my cashiers check and claimed I owed {$8400.00}, ni explanation why I owed so much more in the letter. Ironically the same day I reviewed a regular invoice saying I owed {$6900.00} ... Which was the {$6000.00} plus my XXXX payment. When we called the person had no idea where the {$8400.00} figure came from and that she would get a amount to me within 24-48 hours for the total due, payments and fees and that if I overnight ex the check it would be taken care of. However she did not get back to me and when I called I was put on hold for 20 minutes. My XXXX person did get a hold of the and they now say because it 's gone into XXXX I owe {$7900.00}. They say {$1300.00} is legal fees.. Which they refused to send an itemized explain action of claiming it 's their policy not to. Had I paid before the end of XXXX, which I would have had they called me with the amount due in the 24-48 hour time frame they gave me. So instead of {$560.00} in fees thy day I now owe {$1300.00}. I personally feel even the {$560.00} seems high and wanted to bring the invoice to a lawyer to see if it 's unreasonable or not, also I should b or have to pay & XXXX extra because they failed to get back to me in the time Fran quoted by them. I feel this is extortion or fraud. I have called and left messages with a local lawyer and the South Dakota attorney generals office.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX, XXXX filed their claim for a CAPITAL ONE BANK USA credit debt against me stating the debt was Opened with Capital One on XX/XX/XXXX. This reported date is incorrect, the actual date CAPITAL ONE BANK USA reports is XX/XX/XXXX, see attached document. 
XXXX XXXX XXXX, XXXX will not provide the date the debt became past due. I attached a copy of an email from XXXX XXXX that shows the account went past due Sun, XXXX XX/XX/XXXX per CAPITAL ONE BANK USA. 
The date the debt became past due is greater than 4 years from the date XXXX XXXX XXXX, XXXX filed their collection action per the California statute of limitations. 

I have sent letters and left phone messages with no response. 
XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, Va XXXX XXXX XXXX XXXX, XXXX is not licensed in California as a debt collector.
Consumer complaint received 2023-05-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (AR)

My last payment made to my XXXX XXXX XXXX XXXX XXXX GM Financial was in XX/XX/XXXX. I had recently had financial loss due to my job closing down. I told them that in XXXX and was told that I would have make another 2 payments in order for them to give me a deferment or to give me a chance to come up with something. Because they gave me such a hard time, I couldn't come up with the full payments. Even on their website, if I tried to make partial payments, it wouldn't let me login because I was 2 months behind. I just wanted to make some kind of payment because I knew that I couldn't make the whole payment. 
I received a letter by mail and email in XX/XX/XXXX, stating that I had to pay the full balance of loan by XXXX or my car would still be up for repossession and charge-off on my account and I wouldn't. be able to make another payment. 
This was totally unfair because they had it designed where I couldn't even make just any type of payments. It had to be a full month payment or whatever I was behind on. 
In the end of XX/XX/XXXX or the. beginning of XX/XX/XXXX, I received a phone call from GM Financial asking about payments. I told the lady that I received a letter stating that I had to pay the full balance or they would charged my car off and that they'd already charged it off. She lied and said they didn't. I told her that they did and hung up the phone. 
They didn't really try to work with me on payments and charged it off on my account and put it on my credit in XXXX. That's so unfair. Now I'm having difficulties with my credit score and purchases.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-24
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. (VA)

I was looking at my report an notice there were some things was not correct. I sent a letter to EXPERIAN but it has been more than 35 days EXPERIAN still haven't responded to my letter.That is a violation of 15 1681i ( a ) Under the USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and expect as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reselleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A )
Consumer complaint received 2024-06-24
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. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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. (ID)

This is regarding my initial complaints about identity theft and inaccurate reporting. Here are my previous complaint IDs : ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX. 

I had been a victim of identity theft and saw numerous negative accounts reporting on my profile that were not mine. I am grateful to XXXX for dealing with the situation real fast. So, my concern is XXXX and Experian. I called them several times but they told me each time to resend my FTC letter and submit new disputes because they can't validate my reports which took so much of my time and money. 

Please help me delete these fraud accounts from my 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 

The late payments on these accounts are also not mine. Please update my reports to paid on time or never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
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. (VA)

I was looking at my report an notice there were some things was not correct. I sent a letter to EXPERIAN but it has been more than 35 days EXPERIAN still haven't responded to my letter.That is a violation of XXXX XXXX ( a ) Under the XXXX XXXX ( a ) ( XXXX ) ( A ) Subject to subsection ( f ) and expect as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A )
Consumer complaint received 2024-06-24
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. (IL)

I XXXX XXXX XXXX ask that these hard inquires be removed off my credit report. Thank you so much i will send in my id with police report that i lost my identification. This is fraud please remove it offf my credit report. Experian credit report Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-24
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. (AR)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-24
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)

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

Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a 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 2024-06-24
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. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-06-24
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-24
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. (NY)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-24
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-24
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)

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 Balance : {$99.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-06-24
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-29
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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