davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MD)

On XX/XX/year> I spoke with representative XXXX with Shellpoint Mortgage Service about unapplied funds in the amount of {$1100.00} and why I no longer saw them in posted in the unapplied/suspense account. He advised after record searching that they were arbitrarily applied to late fees in XX/XX/year>. I did not authorize this nor was I made aware that it would occur without my direction. In addition, I asked why was it applied to late fees and not the mortgage when I was behind XXXX month? I was advised that the system did it arbitrarily? I advised that was improper and that the funds should have only been applied to escrow, principal or interest not company fees especially when the account was deficient. I escalated my complaint and subsequently made an additional payment that with the unapplied funds be equal to the mortgage due. I was advised that the account would be amended in XXXX hours or less. I also requested a call back in regards. As of this date neither action has occurred. I don't see the {$1100.00} anywhere listed on the account as pending or otherwise in addition to the amount of {$1900.00} sitting in unapplied and not as payment to rectify the monthly balance of my mortgage. As of today nothing has been done.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

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. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was monitoring my credit score evening of XX/XX/year> and noticed my score had decreased. I then noticed that a Kohl 's Capital one Card was opened on XX/XX/year> in my name and showed up on my credit report. This was not done by me or anyone in my family. I called Kohl 's credit customer service at phone number XXXX. They did freeze the fraudulant account. They did confirm there was a {$800.00} credit limit on card with {$600.00} already spent on the card. Kohl 's credit card service then said they will forward my information to their fraud department and I will get information in the mail regarding the fraudulent activity. I then applied a fraud alert on XXXX.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Re : Victim of Identity Theft - Formal Dispute To Whom It May Concern, I am writing to formally dispute certain items on my credit report that are a result of identity theft. This communication is not sent in error, and I am not making a material misrepresentation regarding the following accounts : Inaccurate Names ( Please delete immediately and use correct information from my Drivers License Provided ONLY ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKOWN ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts were opened without my authorization, and XXXX have no knowledge or association with them. I request that this erroneous information be promptly removed from my credit file in accordance with 15 U.S. Code 1681c2 and the provisions of the Fair Credit Reporting Act ( FCRA ) Section 609. Please expedite this process and ensure the removal is completed no later than four days from the receipt of this letter.

Enclosed with this correspondence are documents verifying my identity and an affidavit detailing the truth of the identity theft. Please find the following enclosures : Proof of Identity Affidavit of Truth/Identity Theft Report I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I sent a certified letter to HUNTER WARFIELD on XX/XX/2018 and they failed to respond back within the ( 30 ) day time frame for the 2nd time. HUNTER WARFIELD also continues to violate my consumer rights by deliberately refusing to comply with federal and state law according to FCRA and FDCPA. Therefore, I believe their actions are discriminatory ; due to the fact, this item has been DELETED, RE-INSERTED BACK ONTO MY CREDIT REPORT, REDACTED and RE-AGED in the attempt to collect on an alleged account that they failed to VALIDATE on approximately ( 5 ) occasions according to FDCPA-Validation of Debts 15 U.S.C. 1692g. More so, it is against the law for HUNTER WARFIELD INC to continue reporting a disputed account to the credit bureau ( s ) ; nevertheless, trying to collect on an alleged debt without VALIDATING it first. Also HUNTER WARFIELD INC violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Since HUNTER WARFIELD refusal to respond to my request for validation and their noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act, the Uniform Commercial Code and the FDCPA. ; due to fact, HUNTER WARFIELD INC fail to meet the legal requirements by law. Also, HUNTER WARFIELD is still adding interest on a close account which also violates the FCRA and the FDCPA. Furthermore, I do not believe that HUNTER WARFIELD is licensed to conduct business in my state etc.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

On XXXX XXXX my home that has a mortage with Mr. Cooper Mortgage company was damaged during Hurricaine Irma. My home is located in an area that has been designated as a major diaster area. My loss to my home is not covered by insurance and Fema denied help as I do have insurance, even though the damage was not covered by insurance. 
On XXXX XXXX, XXXX I call my Mortgage Company ( Mr. Cooper ) and asked if they offered any type of  foreberance for victims of a national diaster. I spoke to XXXX XXXX, and she advised me that they did offer a plan where she could suspend my mortgage payment for 3 months, and that it would not reflect on my credit and that the payments would be added on to the end of the loan, without any penalty or added interest. Today I received in the mail a letter stating that this is not true, that the option to add the payments to the end of loan was not an option. I based my decision to temporarily stop paying my mortgage for 3 months on what I was told by XXXX XXXX. What help is a forebearance if the money is due at the end of the 3 months. I feel XXXX XXXX an employee of Mr. Cooper gave me fraudulent information that has caused me to now come up with the missed payments or could face foreclosure.

I called Mr. Cooper today and spoke to another young lady who had no definite answer to what will happen in 3 months, she said they could forgive, add it to the end or ask for payment in full. I then spoke to a supervisor who told me that my only option was to pay the missed payments at the end of 3 months. I believe I was fraudulently misled and now I can possibly lose my home to foreclosure if I ca n't come up with the missed payments, that I was told would be added to the end of the loan. This is not truth in lending.
Consumer complaint received 2024-07-09
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. (WI)

My personal information has been compromised. Upon reviewing my consumers report a few months ago, I noticed a few accounts that actually don't belong to me at all. I do not know these companies reporting and I actually was incarcerated during a certain period of time. I will also attach my proof of incarceration as well. 

Here are the accounts : XXXX XXXX XXXX OPENED XX/XX/XXXX, BALANCE OF {$540.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( I WAS INCARCERATED DURING THIS TIME ) XXXX XXXX XXXX  OPENED XX/XX/XXXX
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2024-06-21
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. (MS)

This is a list of all hard inquires that are reporting to my Experian, XXXX, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, XXXX, and Experian all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (FL)

Multiple phones calls to the credit bureaus asking for help to delete false and unauthorized inquiries. Insisting that I did not give my written or verbal consent for such actions. The inquiries are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note ; My son and I both share the same first, middle, and last name. He is a XXXX and I a XXXX. The above inquiries should not be on my credit report. This is a violation of *15 U.S. CODE 1602
Consumer complaint received 2024-05-03
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. (SC)

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 Account XXXX Account Name : XXXX  Account NumberXXXX 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 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PR)

In  XXXX  my student loan provider went from   XXXX   XXXX   to Navient. I was on auto pay with   XXXX   XXXX  . One day I received a letter in the mail stating that   XXXX   XXXX   account was Closed and the new lender was Navient therefore they were not going to charge me anymore and that i should wait Further instructions from Navient. First communication with Naviet happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since   XXXX   XXXX  . Not a problem I said, lets pay. The representative at Navient walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from   XXXX   XXXX   to Navient was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus. Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the Two Navient accounts. I wrote them a good will letter to remove the incorrect information and they declined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from   XXXX   XXXX  . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on Navient 's part. I still pay my loan to this day and i have never missed a payment.
Consumer complaint received 2024-07-05
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. (SC)

I recently read over my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. XX/XX/2022 states I was late for 60 days, but on time in XX/XX/2022. How is it possible for that to be the case. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-03
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. (FL)

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2018-08-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PINNACLE RECOVERY, INC. (PR)

I contacted yesterday, XXXX XXXX XXXX, to settle this account which I am not refusing to pay, but they state they can not accept a payment plan. This account is affecting adversely my credit score and my intentions to purchase home. I am willing to establish a payment plan but they refuse and they threat me to foreclose on a time sharing property I have never used. They have incurred in high pressure and predatory tactics.
Consumer complaint received 2024-05-03
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 XXXX  Account XXXX Account Name : XXXX  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 2024-05-03
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. (TX)

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.

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 informationisinaccurate.
Consumer complaint received 2017-06-02
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. (PR)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER   XXXX   NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL T HE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.