davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I have owned my house for 12 years and always make my payments on time. A few years ago my loan is transferred from XXXX XXXX XXXX to Nationstar. In XX/XX/2016Nationstar made a mistake crediting my account and they contacted me to say I was late. I disputed this and asked them to look into it. I was treated very poorly by Nationstar at this time. I asked for a supervisor for help and they said no. I requested a Spanish speaker and they would transfer me to different departments but I could never get help or answers. Nationstar was demanding that I make a double payment on the mortgage plus late fees but this was their mistake. I kept trying to fix this but Nationstar will not work with me. Finally I hire an Attorney to help and then Nationstar says in a letter it was their mistakebut now I was six months behind and they said I had to pay all the late payments at once. I try to get them to work with me but instead of playing fair when it is their fault, they foreclose on my home in XXXX. Nationstar needs to be investigated by your people because they are doing bad business.

We bought this house with 100 % financing and a very bad first mortgage loan that is adjustable. My main language is Spanish and I did not understand the documents that I was signing. This loan had an interest rate of 7 % and then just a few years later the rate went up to 10 %! This was very high, but I still made sure to pay the bill each month. I always paid the bill each month. I live in this home with my wife and two children and I work as a landscaper. A few years ago the loan was transferred from XXXX XXXX XXXX to Nationstar. Then the problems begin when my monthly payment is not credited. I found out about this and started contacting Nationstar to get this fixed. I am told that I have to make a double payment and that I have to pay late fees. When I go to try to do this I am told that the amount I am going to pay is not enough, the amount has changed. I try to get to a supervisor but they say there is no supervisor here. I try over and over to get a Spanish speaker to help me, but Nationstar would not let me talk to anyone who could help me. Instead of fixing the mistake Nationstar sold my house in XX/XX/XXXX. This is more bad business, putting me in a predatory loan that I did not understand and then making a mistake on my payments and not working with me to fix it. They sold my house over this at auction and I want them to fix it.
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (OR)

I requested all information under 1024.38 ( b ) ( 1 ) ( ii ). They only provided a small amount of the required information, and much of it was incorrect. For example, they show the original term of the loan was XXXX  months, which is incorrect. The original loan term was XXXX  months. Their balance also includes excessive and invalid property inspection fees, and does not reflect a payment made in 2019. 

Lender/servicer also needs to honor the 2019 modification agreement.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individuals to whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In General if, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-04-11
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (PA)

To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and other related regulations. I believe that WELLS FARGO AUTO has engaged in a number of illegal and unethical practices in its attempts to collect on a debt, including calling, annoying, harassing, and abusing my privacy, even after being informed of a cease-and-desist order, as well as trying to persuade and coerce me into changing my complaint. 
Specifically, I believe that WELLS FARGO AUTO has violated the FDCPA by : 1.Calling, annoying, harassing, and abusing my privacy after being informed of a cease-and-desist order : On ( XX/XX/XXXX ), & ( XX/XX/XXXX ) I sent a written cease and desist certified mail receipt # ( XXXX ) & # ( XXXX ) to WELLS FARGO AUTO informing them that I wished to cease all communication through all mediums except USPS mail related to the debt XXXX Despite this, they have continued to call me at all hours of the day and night, using aggressive and threatening language, and making false and misleading statements. This is a violation of the FDCPA ( 15 USC 1692C ( c ), which requires debt collectors to respect a consumer 's request to cease communication. 
2.Trying to persuade and coerce me into changing my complaint : On XXXX WELLS FARGO AUTO called me and attempted to persuade me to withdraw my complaint to the CFPB. This is a violation of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representation or means to collect a debt. 
I request that the CFPB investigate these violations and take appropriate action against WELLS FARGO AUTO to ensure that they are held accountable for their illegal and unethical practices. I also request that any negative marks on my credit report related to this debt be removed, and that I receive compensation for any damages or expenses that I have incurred as a result of WELLS FARGO AUTO s actions. 
Thank you for your attention to this matter.
Consumer complaint received 2023-04-11
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. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this item, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair this inaccurate item in my file. I hope the disputed item will be corrected as soon as possible : XXXX XXXX XXXX Date OpenedXXXX Balance : {$21000.00}
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Credit Corporation (VA)

Nationwide Credit Corporation may appear legitimate, but there are fraudulent criminal activities within that company. Their fraudulent activities have implicated the XXXX Virginia police department Parking Citation Division, The Virginia DMV, and maybe the credit reporting agencies. 
I will tell about two occasions when Nationwide Credit Corporation wrote me letters about parking tickets in XXXX Virginia, a city I last visited in XX/XX/XXXX. And my only parking was done at the XXXX XXXX parking lot. 
The content of the first letter. The letter stated I had a parking violation in the city of XXXX Virginia where my parking permit could not be seen. They sent me a picture of a vehicle I don't own with my license plate letters and number, but the state name was blurred out. 
I wrote Nationwide Credit Corporation a letter explaining to them I was not in XXXX Virginia and sent them a copy of my Virginia Car registration. I never heard any more about that situation. 
The second time Nationwide Credit Corporation wrote me a letter was in XX/XX/XXXX. On XX/XX/XXXX, I went to Virginia DMV in my hometown to have my license plate replaced because of damage. I was issued new license plates that day. 
I receive a letter from Nationwide Credit Corporation a few weeks later informing me that I have a parking violation in XXXX Virginia on XX/XX/XXXX, just three days after the new license plates were issued to me. 
Nationwide Credit Corporation contacted the Virginia DMV, telling them I owe a fine for a parking violation in XXXX Virginia, a city neither my car nor license plate have ever visited. The Virginia DMV wrote me a letter saying DMV will not renew my license plates which expire on XX/XX/XXXX unless I pay Nationwide Credit Corporation for a parking citation that never occurred. 
In my situation, Nationwide Credit Corporation has a contract to collect unpaid parking citations for the XXXX Virginia police department Parking Citation Division. They are using that contract to create and collect funds for fraudulent citations. When I refuse to pay for a parking citation in a city my car has never visited, Nationwide Credit Corporation contacts the Virginia Department of Motor Vehicles telling them I owe for a parking citation and my license plates will not be renewed until I pay Nationwide Credit Corporation.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have told the bank I have not received the item and that the merchant refused to refund me the amount, the bank has not tried to resolve the issue and the evidence they showed, doesnt show the apartment number on the delivered address. The tracking number shows that it hasnt been delivered as well and USPS doesnt have information on the package, I request CFPB to resolve this matter
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2023-04-11
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} Consider this complaint as my follow-up to make sure that the listed accounts are verified immediately
Consumer complaint received 2023-09-12
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. (FL)

My name is XXXX 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-04-11
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: CCS Financial Services, Inc. (TX)

In accordance with the Fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 Section 602, states that I have the Right to privacy. 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NC)

I recently checked my credit reports and there is a collection listed from Hunter & Warfield. I lived in that apartment for a total of 5 years and never was the carpet replaced even thought I continued to sign lease. in the lease it states that tenant is only to be charge if damages were from pet. It also states that tenant will not be charge for normal wear and tear. the complex decided to upgrade their apartments after my decision to not renew my lease. them trying to make me pay for more. than 5 year old carpet is ridiculous. Im in the process of trying to buy a house and this collection is causing great distress. I demand that it gets removed immediately
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC (TX)

I received a post-judgment discovery from the debt collector today XX/XX/2023, at XXXX XXXX. I was waiting for the court date for the Bench Trial Request received XX/XX/2023, to go before the judge. I am age XXXX and only living off a monthly Social Security check and I have nothing, I do not own anything thing, I do not own a vehicle, and I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was never served a citation by the process server, and a hearing was held on XX/XX/2023, with the process server to provide me with the fraudulent signature of perjury XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd complete a report for my attorney. I am calling the Judicial Branch Certification Commission for the results. Either way, the police shall be called to complete the report. Why is XXXX Johnson Mark LLC continuing to try and acquire my assets when I have none? I am barely alive and barely living? They should know by now that I was never served a citation. It is against the law to try and garnish, secure a levy, etc. with people at age XXXX living solely on Social Security and owning nothing of value for anyone to acquire from me. For the first time, in my life, I am glad to be broke, busted, and disgusted. When will they stop bothering me?
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (IL)

I've received an obscene amount of inquiries on my credit profile between XX/XX/XXXX up until as recent as XX/XX/XXXX. I've never initiated any of these inquiries nor provided anyone with written authorization to access my credit. I've spent several days and hours contacting XXXX, XXXX, experian and the creditors but I'm not receiving any assistance from any of the companies mentioned and they have failed to provide me with proof showing I consent to these inquiries.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-10-09
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (AZ)

I submitted a credit dispute through XXXX due to duplicate billing in XX/XX/XXXX. When we called Chase auto in XX/XX/XXXX the reps said it was paid up to date but then we received calls from delinquent accounts reps due to the account being past due.

In XX/XX/XXXX Chase denied my request to investigate and restore the good credit reporting. The auto loan is now paid in full and I wold like further investigation due to the duplicate billing in XX/XX/XXXX.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX 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 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to the company on XX/XX/. They advise me that they could not provide me any information on the account, as they are not longer the account holder. I requested that they remove the account as it is showing on my credit report twice and showing that I owe double the amount of money which is inaccurate.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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. 

XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 more than 7 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.