davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Mr. Cooper has scheduled a foreclosure sale on my house for XX/XX/XXXX. Mr. Cooper never reach out to me concerning my HAMP Loan Modification I applied for in XXXX, instead I am getting a foreclosure sale notice letters six of them which I received on XX/XX/XXXX. Mr. Cooper who has registered as a mark service for Nationstar Mortgage still operating its business as Nationstar Mortgage severally in the past has asked me to submit the same documents over and over again which were promptly submitted but were never used for the purpose intended, that is to be used for the modification of my loan. Instead Mr. Cooper gave me the run around, engaged in telling lies, made false statements, gave deceptive information and bogus figures that could not be substantiated. Also, Mr. Cooper tried very hard to steer me away from the HAMP Loan Modification. Mr. Cooper never conscientiously tried to help me modify my loan so that I could stay in my house. Instead, Mr . Cooper engaged in looking for any rabbit hole it could find, all in an effort to justify itself why it could not modify my loan. Is even more worst now not giving me any logical reason why it has scheduled a foreclosure sale on my house for XX/XX/XXXX. It is very obvious that Mr. Cooper 's goal is to sweep my HAMP Loan Modification I applied for in XXXX under the rug. Mr. Cooper can not unilaterally resolve my HAMP Loan Modification because the HAMP Loan Modification Program guideline specifically said that to resolve a loan modification under the program it has to be bi-laterally resolved and no unilaterally resolved. To do so, is in a violation of the HAMP Loan Modification Program guideline. Mr. Cooper again is violating the Virginia Bankruptcy Law by constantly touting me with a Voluntary Payment Coupon in the amount of {$450000.00} which is illegal. I filed for bankruptcy XXXX and my wife filed in XXXX and both were discharged. The XXXX XXXX XXXX  in the foreclosure sales notice letters I received from the Trustees claimed that it enclosed advertisement as published in XXXX XXXX XXXX  about the foreclosure sale which is not true. I could not find any advertisement in any of the six letters I received from the Trustees.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MN)

Claim number : XXXX Chase bank denied my claim for this. I did not made any reservation with XXXX. I contacted XXXX and they reported that the account that this reservation was made under using my debit card was under a different name and do not match the payment card. I request that chase bank reopen this and request information from XXXX and send it to me as to why they denied this claim. According to XXXX XXXX of services " XXXX accepts non-temporary, non-reloadable debit cards with a Visa or Mastercard logo linked to a checking account and issued in the name of the primary guest. These include debit cards from online banks like XXXX, XXXX, and others. It doesnt include reloadable debit cards such as XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX '' The primary guest is not me and was never me as I do not have a Turo account. XXXX negligence allowed someone to made a reservation using my stolen debit card not matching the name on the account. I requested that chase reopen this case and request paperwork from XXXX with the reservation XXXX. 

Turo reservation booking ID XXXX Chase Bank Claim number : XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX  XXXX - XXXX - This is completely inaccurate.
Consumer complaint received 2024-09-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

Mohela took over my XXXX student loans and were not going to give me a payment count adjustment so I decided to get it done through the XXXX. of XXXX but when I called them they said I could go through Mohela for everything. I told them I wasn't interested in doing that and so I submitted my consolidation loan application to them. They sent me a letter dated XX/XX/year> saying that they can't do a consolidation for me and to go through my servicer, Mohela. I gave up at that point and then got a letter from Mohela that my consolidation went through. I didn't want them, nor an extended new loan. I seem to have lost credit for all time of the loan now.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX is reporting late payments on two of my credit cards, cards ending in XXXX and XXXX. 

15 U.S.C. 1666b is part of the Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666b - Timing of payments ( 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.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them and no response from them
Consumer complaint received 2024-09-23
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. (VA)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (NC)

I 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, who's studying XXXX XXXX, helped 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 if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-23
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. (NM)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KS)

I have credit card statements, bank statements, and other evidence I need to include and dispute with XXXX XXXX, XXXX, and other credit card companies I need to add to my reports at XXXX, XXXX, and Equifax. I have more than half of payments not recorded by these banks and these credit reporting companies are protecting them by not allowing me to submit my proof! 
My comments are not being allowed to publish, the so called Legislature Alerts are bogus. 

I want the ability to DISPUTE THESE LIES ABOUT ME RUINING MY LIFE! 

I'm able to upload only a few of the many I found!
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2024-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 2024-10-30
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Upon review of my consumer reports I noticed unauthorized inquiries as well as an account from Genesis Credit Management for XXXX $ that I have no knowledge of. After consulting with an employee at one of the bureaus, I filed an ftc report.
Consumer complaint received 2018-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I live in an area that was a federally declared disaster area because of hurricane Irma. After the hurricane, my mortgage company told me that I could defer payment of the mortgage for 3 months ( until XX/XX/XXXX ) since I was recovering from the hurricane and that the deferred payments would be placed at the back of my loan. At the end of the 3 months, when I contacted the mortgage company, they told me that the program was extended for an additional 3 months ( until XX/XX/XXXX ). In XXXX XXXX, I was told that the loan would be modified and the deferred payments would be placed at the back of the loan. I contacted the mortgage company in XXXX to find out what the process was for modification ; I was told to send in multiple documents which I did. After submitting all the required documentation, I checked the status of my modification online every day for the next month. I called on numerous occasions to inquire about the status of the modification and to inquire about the payment. I was told that they were working on the modification. I was told not to send in a payment for XXXX because it would be rolled up into the modification. In XXXX, I was told that my modification was denied because the payment would go up from approximately $ XXXX to approximately $ XXXX and that they were not allowed to modify a payment if it increased the payment. I was then told that I could get on a payment plan that would require me to pay approximately $ XXXX for 6 months which could be extended another 6 months until my account was current, but that the denial was not complete and that they were still working on the modification. I received an email notification that there was a new document on the loan and when I logged into the website, I saw that there was a modification denial letter. I called back the mortgage company to inquire about the payment plan again since the modification had been completely denied and I was told that I am not eligible for the payment plan any longer because they had sent out a demand letter for the total monies past due on the loan which is {$16000.00} within 30 days. I told that mortgage company that I do not have the money and I would not have it within 30 days. I asked what would happen if I didn't pay it in the 30 days and the mortgage company told me that they would foreclose the very next day and sell my house. I can not lose my house because I am a single mother and I am caring for my sick mother who is on XXXX. I really need help.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

On XX/XX/year>, I ordered a hack squat machine for {$1900.00} from XXXX XXXX  XXXX XXXX, XXXX. Delivery lead time was XXXX days. I agreed to the lead time. 

The very next day, I received a FedEx shipping notification and learned that the wrong machine had been sent to me. 

XXXX XXXX  XXXX XXXX, XXXX confirmed they sent the wrong machine to me. 

XXXX XXXX  XXXX XXXX, XXXX directed me to refuse the delivery, which I did on XX/XX/year>. 

I obtained documentation from FedEx confirming I refused the delivery, a Legal Notice of Refused Freight document. 

On XX/XX/year>, I requested the cancellation of the order and a refund of {$1900.00}. I spoke to a XXXX over the phone who agreed to process the refund. 

On XX/XX/year>, I disputed the charge with Best Buy Visa Card because I had not received a refund. 

On XX/XX/year>, Best Buy Visa Card somehow concluded that I was responsible for the charge despite the fact I refused delivery. 

On that day, Best Buy Visa Card returned the charge on XX/XX/year>, of {$1900.00} to my account balance, and also added two more charges of {$1900.00} for a total of {$5900.00} At this point, I have been charged three times for a single purchase that I refused delivery and do not have.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: LEXISNEXIS (MA)

XX/XX/year> I called the company LexisNexis and spoke to someone to report the fraudulent incident. They were requiring me to provide my full social security number or full license number. I did not feel comfortable providing that and they refused to go any further. I then said that I would report it to the Consumer Financial Protection Bureau, and hung up.