davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (TX)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1666b A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (OR)

On XXXX XXXX 2016 my house was up for foreclosure auction. I have been trying for years to get a lower mortgage to save my home. I have suffered financial hardships and proven them to the lender. They had no desire to help me save my home and have offered no help. I have complained about the lack of help before but nothing changed. Anyway I filed an emergency chapter XXXX bankruptcy to stop the foreclosure sale and was successful. I wanted lender to have more time to go over my latest refinance packet. I have the stamped piece of paper with a case number to prove that I filed before sale. I heard nothing from lender. Recently a notice appeared on my door telling me that I needed to vacate my home. The paperwork said that Nationstar bought my home back on XX/XX/XXXX and sold it the same day to an unnamed party. Both sales should not have happened. Nationstar knew about the chapter XXXX but proceeded with sale anyway. I believe they broke the law. I already believe they have unfair foreclosure practices. This was a new low. They are very crooked and very disorganized and very sneaky. The stress sometimes gets unbearable. Nationstar thinks they are above the law.
Consumer complaint received 2023-11-09
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: Bridgecrest Acceptance Corporation (NY)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-11-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC (MS)

CFPB online letter XX/XX/XXXX The years since my XXXX XXXX diagnosis and XXXX in XXXX I have lost my career, after which my husband became my primary caregiver. We declared bankruptcy, XXXX the following XXXX, and eventually secured my XXXX federal XXXX benefits this year ( XXXX ). 

As we prepared to sell our home last XXXX ( XXXX ) the head of our church congregation sent a {$700.00} mortgage payment for that month to one of two addresses listed on the bill. He chose the wrong address, and then sent two payments ( {$1400.00} ) on one check the following month ( XX/XX/XXXX ). 

We closed on our home XX/XX/XXXX, paid off the mortage, and moved to XXXX, Mississippi to find more affordable housing, Our latest bid for another home there was accepted last month ( XX/XX/XXXX ). Our closing date was set for XX/XX/XXXX, if I recall correctly. 

On XX/XX/XXXX, and again on XXXX, XXXX XXXX our loan officer called to inform us that he could not proceed with the purchase of our new home ( now still under contract, by the grace of XXXX ) without resolving what was showing my ( XXXX XXXX 's three credit reports as a 30-days late payment from our former lender, Shellpoint Mortgaging Services ( formerly NewRez ). 

Shellpoint asked us to send a letter to resolve the problem. We overnighted that letter the same day ( XX/XX/XXXX ). We have had no word on their decision as yet. We have called at least three times. Anything you can do is appreciated. 

XXXX XXXX XXXX, Formerly XXXX XXXX XXXX until XXXX. 




ID FOR COMPLAINT SENT TO SHELLPOINT MORTGAGE SERVICING XXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, 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. (NJ)

The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hand wrote on a credit report request form provided by AnnualFreeCreditReport.com Transunion is claiming they need address verification even though my address is hand written in the request form. Transunion is prolonging my right to my credit report. There is no reason they should need address verification if they are reporting it on their site and if they sent me mail in return at this address after my request.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Hello, With my current mortgage company back in XX/XX/XXXX when they took over from my previous company. It was a rough start, the property is in Texas and I live in Michigan, the old company knew my michigan address and it 's all over he paperwork, and I had the auto payment option activated. The new company took over and communicated with me via Texas address knowing that I do n't live there, that continued until XX/XX/XXXX when I figured that and called them just to find a threat of pay or foreclosure, I asked for statement, address, routing info ... etc When received the statement it contained about {$1200.00} in repair fees, I was with work in XXXX, TX since XX/XX/XXXX visited the property at least once a week and I am the one who cut the grass and water the trees, I never seen them or any notice or letter, anyways they refused to waive the XXXX however they reduced it. while I was in the process of discussing the charges with them someone came and broke into my house, and stole tons of my goods, then put a lock on the door with password, apparently that was the mortgage company. They cried for hours and claimed this is a third party then waived part of the charges. Now I asked for my new insurance company for more than a year and did n't get it until I went on XXXX  and created a scene then their rep was more than happy to assist. This year, deja vu same thing happened more than a thousand dollars charges for repairs, more than half of it for cutting grass!!!! They failed to pay my taxes on time to the county from my escrow ( granted I kept an eye and reminded them 5 times to pay it ), then they added the late fees ( more than XXXX dollars ) to my charges. I called them in XX/XX/XXXX to inform them that I am unemployed and need to fill the appropriate forms and see what I can do, that was followed by several calls and nothing is done, again I only got it when I created another scene on XXXX early this month. This is a small snap shot on what they did excluding all the uncalled for derogatory and racial comments I heard during they ugly process. I need help, I am helpless and had no say when this brutal company took over.
Consumer complaint received 2023-06-26
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. (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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, # XXXX, XXXX  : # XXXX, # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, # XXXX, XXXX  XXXX : # XXXX, # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, # XXXX, XXXX : # XXXX, # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX XXXX : # XXXX, DPT ED/XXXX  : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  : XXXX XXXX, has violated my rights. 

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 2023-08-11
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. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (NM)

I received a letter from General Revenue Corp. dated XX/XX/2023 and received on XX/XX/23 ; Acct # XXXX regarding an alleged debt of {$4700.00} I assume it's for tuition bills. XXXX University is named in the letter as a creditor and charged me erroneously for classes when they knew the charges were excessive and not required due to providing students with misguided information and knowingly advising students about false degree completion times. And, I haven't taken any of those classes associated with the charges and or timelines. This situation was specific to XXXX students and the school was identified in several lawsuits, of which some are settled and some ongoing. The lawsuits speak to this very situation, where students were taken advantage of with erroneous tuition charges and were charged due to ongoing timelines for degree completion, when in fact students were led to believe that they would obtain their degrees sooner based on fraudulent advertising ( " Bait and Switch technique '' ) I can't personally divulge any particulars of those suits due to confidentiality. However, XXXX 's alleged and fraudulent charges indicated in the General Revenue Corp letter, are within the timelines for the lawsuits. The tuition amounts XXXX alleges I owe, do not match with any XXXX classes taken and are fraudulent based on this explanation in this writing.
Consumer complaint received 2017-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MN)

In XX/XX/XXXX we applied for a load modification through Nationstar mortgage. In XX/XX/XXXX I received paperwork from XXXX County with notice of a sheriff sale. Around XX/XX/XXXX I called Nationstar and spoke with XXXX XXXX to find out what we could do to resolve. He stated that since we did n't complete the modification paperwork after the trial period the sheriff sale would move forward. The only way to avoid would be to provide a payment of approx. {$25000.00} to bring everything current. We never received the paperwork he was referencing and additionally I was unaware of anything that needed to be completed. I thought since we made all payments on time and in full during the trial period that things moved forward as normal. On XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX County and I called XXXX XXXX ( formerly Nationstar ) and spoke with XXXX regarding the situation looking for advise on how to resolve. When we informed XXXX that I had not received the paperwork she provided us with the tracking number, stating the paperwork was sent on XX/XX/XXXX and XXXX delivered to our home on XX/XX/XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ). However, when we input the tracking numbers into the XXXX portal the first only notates that it was delivered to 'XXXX ' no specific address and the second states 'In transit '. As of XX/XX/XXXX XXXX has escalated the issue at XXXX XXXX to see if we are able to resurrect the modification due to lack of communication. However, we are very close to the sheriff sale date now.
Consumer complaint received 2023-06-15
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: Upgrade, Inc. (PA)

This account doesn't belong to be me when they finally closed it and charged off in XX/XX/2023 It reported late payment on the report month after month I have been disputing this account this is all wrong. per FCR, this must be rectified 15 U.S. Code 6801 - Protection of nonpublic personal information said : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, 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. (FL)

I XXXX XXXX XXXX, suffered identity theft with my credit. My credit has suffered tampered inquiries that I did not do. I contacted all 3 credit bureaus, XXXX and XXXX have complied. Equifax did not want to help me. I contacted local law enforcement, I received a police report. I received as well an affidavit of my declaration which was notarized by the state of Florida by a police official as well. I have submitted all my supporting documents to this credit bureau and they are yet to comply. I spoke with Rife, employee ID # XXXX on XX/XX/XXXX at XXXXXXXX XXXX. This supervisor did not want to assist me neither, according to my rights they should be able to submit a dispute to have that removed, and they will not assist. I need my inquiries removed from my account. 

XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX best used Inquiry date : XX/XX/XXXX These are the inquiries I need deleted immediately that are Fraudulent.
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Account number Mr COOPER - XXXX property address XXXX XXXX XXXX, XXXX, Ga XXXX, In XXXX was refinanced into a predatory interest only loan. It has now recasted and my XXXX dollar loan is now a balance of XXXX. I requested modification and they have advised Me COOPER formerly Nationstar who took over servicing the loan that it is a predatory loan and they have failed to take action against XXXX XXXX and help me. I applied for the modification but my payment went up not down so it intentionally causes me hardship and suffer no help me. My {$800.00} payment went to {$2400.00}. I made the first payment of the modification in XX/XX/XXXX and when I went to make XX/XX/XXXX payment that was due by the XXXX of XXXX they would not let me pay over the phone on the automated service, they would not let me pay online, and when calling the hold times were over an hour each time to try to get a rep to answer and did not offer automatic ach. Now their policy is if you miss one trial payment you cant apply for another XXXX mo even if your financial or medical situation has changed, therefore people lose their homes because you cant reapply as Georgia is a non judicial state and they can take your home in less than 120 days. I want out of this interest only XXXX subprime loan from XXXX. Their policies are causing me to lose my home and I am requesting the stop of the foreclosure. The interest accrued of over XXXX. I requested a 30 year loan to bring the payment lower they refuse to work with me. Please step in as I should only be responsible for the original loan amount I was not aware it was interest only at the time. The investor needs to reconsider and stop the sale date and Mr COOPER should not have a policy that if someones situation changes that they have to wait XXXX mo to reapply. Please investigate and hold them accountable for for internet finally causing harm to me to lose my home by ignoring g the fact they are aware its a predatory loan. Whenever I call the modification department they refuse to consider any options to reduce payment and have only increased it. I want to stay in the home but it is in their best interest to issue a forbearance or put it on hold and I can try to XXXX it in XXXX mo or reapply for another modification. In their modification department they refuse to try to help me and have disc outages me at their team level supervisor guiding them to tell me that their is no point in reapplying and giving their personal opinions saying it will get rejected. This is not helping me as a consumer. If a foreclosure goes on my credit thru will be liable for defamation of my credit because they are not proactive in modifying my loan or reinstating the modification offered. How do you go from XXXX a month to XXXX. This is supposed to be a hardship assistance and it is the opposite. It is causing me harm with this predatory interest only loan.
Consumer complaint received 2023-08-07
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. (NC)

On XX/XX/2023 I received notice from Equifax that the account showing a repossession was accurate and factual. The company 's name was XXXX. The open date is still showing incorrect and the date of last payment is grossly incorrect. The account was opened on XXXX and the credit report is showing XXXX. The date of last payment is showing XXXX when the actual last date of payment was XXXX and then the company 's gap payment and auction payment is actually XXXX. They continue to report this information and purposely hurt my credit score. On tope of that the reporting method is not XXXX XXXX compliant.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX.