davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PR)

Experian in previous complaint opened in XX/XX/19 ( # XXXX ) they wrote and I quote " Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. '' It has already passed over 30 days and I have not received any replies for them .They are a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Consumer complaint received 2017-04-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I believe Nationstar Mortga ge, LLC may be co mmitting widespread fraudulent adjustment of variable mortgage interest rate loans, at rates higher than legally allowed in the mortgage contr act : 1. Nationstar acq uired our adjustable interest rate mortgage last Fall from previous holder,  XXXX   2. First  adjustment notice under  Nationstar r eceived  XXXX   XXXX ,   XXXX  , indicating interest rate increase from 3.500 % to 4.12 5 % 3. Cont ract provides  for MAXIMUM rate increase of 2.25 % + LIBOR rate  in place at 45 days prior to change date  4. Nationstar adjustment to 4.125 % would equal LIBOR rate of 1.875 5. On the 45th day prior to the change date the ACTUAL LIBOR was only 1.81. During the 30-day period around the change date ( 15 days prior and 15 days post ) ALL LIBOR rates were lower than the 1.875 6. Using the actual 45-day prior LIBOR, our adjusted interest rate should have legally been 4.06, NOT 4.125 % 7. The difference in rate would illegally cause us to pay tens of thousands of dollars in additional interest over the life of the loan 8. A com plaint filed online with Nationstar on  XXXX   XXXX ,   XXXX   has remained unanswered  9. If this is a systemic practice, all adjustable rate mortgage holders with Nationstar could be being charged hundreds of millions of dollars in fraudulent interest 10. Seeking investigation into both our loan and whether this is a company-wide fraudulent busines s practice
Consumer complaint received 2024-05-06
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (PR)

hard inquiries that I didn't realized : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
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)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2024-05-06
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. (KY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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)

I am writing to express my concern and disappointment regarding the handling of the 2nd attempt to correct late open accounts during [ Specify the Process/Action ]. It is essential to address this matter promptly and effectively to ensure fairness and transparency in the process. 

[ Describe the instances of late open accounts during the 2nd attempt, their impact on participants, and any evidence or documentation supporting your claim. Emphasize the importance of punctuality and adherence to timelines in maintaining the integrity of the process. ] Despite assurances and a previous attempt to rectify the issue of late open accounts, I regret to inform you that the problem persisted. This recurring issue not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

It is essential to demonstrate a commitment to accountability and transparency in resolving this issue and restoring confidence among all stakeholders. 

Furthermore, I request transparent communication regarding the steps taken to address this matter and ensure the timely opening of future rounds. Timely and clear communication is crucial in rebuilding trust and confidence among participants. Failure to do so not only compromises the integrity of the process but also undermines the trust and confidence of stakeholders. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  XXXX Balance : {$450.00}.
Consumer complaint received 2023-08-28
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (MA)

I am writing to dispute inaccurate information on my Equifax credit report and request that the Consumer Financial Protection Bureau investigate this matter. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report, and to this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$18000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$280.00} Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I called theXXXX and Experian after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the XXXX and Experian last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXXXXXX Balance Owed : {$12000.00} will be investigated and updated on my credit file.
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANCORP (MI)

This is a response to complaint # XXXX which was responded to us by Santander Bank. Their response is inaccurate and untruthful to say the least. They state that they sent a letter in XX/XX/XXXX and received no response. If they sent the letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, then they should've known that I left the property because that's what they agreed to. In fact, the house was listed after that and pad locked so I wouldn't have access. I also gave them my forwarding address and my email address. I lost my job and came to Michigan to live with family to rebuild. Foreclosure was a traumatic experience and I reached out to cooperate so I could move on. 

In addition, if what they are stating is correct, it took from XX/XX/XXXX to XX/XX/XXXX to foreclose? Is that a timely response? Is that acceptable to the CFPB? Below is what they are reporting to my credit report. I just want the accurate information reported, they had possession of the home as of XX/XX/XXXX How could I be late in XXXX, XXXX, and XXXX if I didn't own the property? They sent one letter in XXXX years? They knew I would cooperate because I was in contact with them since I wanted to make the process as easy as possible. I didn't want my house to just sit empty and I wasn't angry with them, I just couldn't find work. I owned the home with no issues for close to 9 years prior to that and I paid on time until I fell on hard times. 

120+ Lates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST ; FORECLOSURE STARTED In addition, I have tried to call several times when I discovered these errors and they were not helpful. I left several messages that weren't returned or they were rude when I did manage to reach a live person. I need the CFPB to help with this for this reason. Thanks,
Consumer complaint received 2023-08-28
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: EQUIFAX, INC. (MA)

I am writing to file a formal dispute with Equifax concerning erroneous information present on my credit report. Despite my initial contact with Equifax on XX/XX/XXXX, I have yet to receive any response to date regarding the matter at hand. 
The discrepancies I wish to address pertain to the following accounts, which have been inaccurately reported on my credit report : Account Information : Creditor : XXXX MTR Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account has never been overdue. 
Request : I request that Equifax promptly and accurately correct this erroneous information in accordance with the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXX MTR Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account has never been overdue. 
Request : I kindly request that Equifax take the necessary steps to rectify this inaccurate data on my credit report, as mandated by the FCRA.
Consumer complaint received 2024-07-06
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. (IN)

XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account number : XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX XXXX  Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy. 

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. 


In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy. 

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. 



In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX  XXXX XXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy. 

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 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed today that there was an hard inquiry on my credit report from XXXX XXXX. I have asked trans union and XXXX to remove it which they have not as of yet but XXXX has. I did not authorize this inquiry nor will I decide to have a XXXX XXXX or any line of credit with XXXX XXXX. Ive also had to put credit freeze on my accounts with each bureau.
Consumer complaint received 2019-02-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (PR)

I did have a mortgage with XXXX for 28 years. Due to economical problems ( lossing my job ), I went through 4 Loss Mitigation process. At the end, the bank sold the account to a collection agency ( Franklyn Credit ). 
Again, I went through another Loss Mitigation process. I passed the probation process and now, I'm suppose to sign a new contract.

My worry is that the principal balance is {$62000.00} and I do recognize the debt.The problem is that they want me to sign a contract that add the amount of {$26000.00} ( for interest and late charges that were charge by XXXX, third lender ).

Is not fair to paid " interest over an interest '', or the struggling law for mortgages accept that action for good.In that case, does the collection agency has the right over those interest owe to the previous lender? Since the transaction was for the PRINCIPAL balance.

Franklyn Credit pretend charging me the total amount of {$88000.00}, more than the market value of the house. Do I have any rights? Do I have to pay the mortgage again for 30 years more.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (TN)

These companies have tried several times to collect a debt ; on the weekends and late at night. I have also gotten text messages at any time of the day. I have sent information to request removal due to being unable to pay the debt, a good faith removal, with no response.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PR)

On XXXX I noticed I have fraudulent charges to my discover card. 
I called Discovered and notify. A month later I received a affidavit which I signed and return. On XX/XX/XXXX I received a letter thru the mail stating that the charges were mine and I need to pay. 

I called this Discover and they told me that they have determining that the charges were mine and I was responsable for the payment. At this point in time they can not do anything. 

I am a victim of Fraud and is in my credit report. I am not going to pay for charges that I not done. 
Sun XX/XX/2018 Merchant name is XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$2100.00} Sun XXXX XXXX, 2018 Merchant name is XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Merchant category is Merchandise Amount is {$99.00} I want these two charges to be remove of my account.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Requested Transunion delete the account from XXXX XXXX. This account is inaccurately reported with monthly charge-offs, potentially re-aging debt illegally. This constitutes a direct violation of 15 U.S. Code 1681e ( b ), necessitating it's removal.
Consumer complaint received 2024-06-11
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)

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter. I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities. I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature. Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report. Provide me with written confirmation once these fraudulent items have been removed from my credit file. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$570.00}.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 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 ( DF ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX