davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage has received numerous completed loss mitigation applications from me requesting a short sale on my property since XXXX XXXX. I have made several complaints against them via this website with regards to their handling of this process and my account. All of their responses deny any wrongdoing and they outright lie about their actions. Nationstar has failed to send me the customer, the appropriate notices required by CFPB regulations regarding my loss mitigation application ; utilized unfair and deceptive communication and actions ; failed to timely decision my numerous loss mitigation requests ; and most recently is guilty of dual tracking. I received a letter dated XXXX XXXX, XXXX from XXXX XXXX, XXXX attorneys stating Nationstar has forwarded my account to them for foreclosure while at the same time they currently have a completed loss mitigation application they have not decisioned. On XXXX XXXX, XXXX the current negotiator advised my realtor through XXXX that a decison could be expected this week. Needless to say, that did n't happen. Additionally, I received a letter dated XXXX XXXX, XXXX from Nationstar stating they received my sales contract and requested yet another Hardship Affidavit and that the short sale request review will not even begin until this is received. In responsse to my last CFPB complaint, Nationstar provided a list of documents they needed to complete my application. They were submitted as requested by the date they requested. And now this. This whole process has been unbelivable and completely unnecessary simply because Nationstar is not following the law. 

I require the following : 1. Remove my account removed from foreclosure. 
2. I want the complete timeline of the communications between Nationstar and my realtor since the initial short sale request was made in XXXX XXXX. 
3. I want all notices that Nationstar claims to have sent me throughout this process including but not limited to Acknowledgement Letters, Incomplete Information Notices, approval and/or denial letters, delay notifications, etc. 
4. Provide a decision on the current request. They have all the documents they have requested ten times over.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: T.S. Holdings (AR)

I was applying for a car and realized some damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my report, it is a defamation to my character.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have fraudulent inquiries on my credit report that I don't recognize, these inquiries need to be removed asap due to fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these inquires are fraudulent
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Good evening, I have tried to dispute and validate items on my TransUnion credit report. XXXX letter ( original dispute ) was submitted on XX/XX/2024 and XXXX letter ( reminder/follow up ) was submitted on XX/XX/2024. Only responses received were XXXX for identity verification and another containing a copy of my credit report with no changes and no disputed accounts. Credit report had remained the same for Transunion but other bureaus have had the chance to get back to me and complete their investigations. Hopefully I can get a response to this matter soon from Transunion. 
Thank you.
Consumer complaint received 2024-09-02
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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (KY)

Aurora Loan Services has ruined my life. I have never been able to recover financially after they foreclosed on my property. Like many Americans, I lost my job in XX/XX/XXXX and had no income coming in. I tried working out many options with Aurora Loans. However their reps told me that I would never qualify for any of their programs because I had no job. They advised that I enroll in their forbearance program in order to give me time to get a job and keep my house. I was unaware that the money I was going to pay was not being applied to my interest only mortgage. One a representative told me that they were holding my money I backed out of the account. They were setting me up for foreclosure and not applying any of my money. They began charging a Preservation Fee and various other bogus fees were added. They called me non stop. One representative told me that if I was in Bankruptcy that they could n't foreclose. So I lowed their advise, I filed Bankruptcy just to prevent a foreclosure. As soon as the BK was discharged they demanded money and began foreclosure. They would never tell me where money was applied or how it was held. I filed a complaint with the XXXX in XX/XX/XXXX because I did n't know what to do. That did n't help. I plan to provide documentation to show their unfair collection practices and how they did not apply my money when it was sent in. I have XXXX different Account History printouts from the with the same dates and they do not match. Aurora Loan Services set me up and took my all money. Once I paid them their demands, all money was applied to interest. I will provide a copy of the check I sent and you will see that it does n't even show on my account history. I want some justice. I have been done wrong.
Consumer complaint received 2024-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Account Number : XXXX Dear Sir or Madam, I am writing to dispute the reporting of an alleged debt under account number XXXX as listed on my credit reports with TransUnion, XXXX, and XXXX. This account was previously disputed and subsequently removed from my credit reports. I am astonished to see its reappearance, which I believe is due to a serious error or potential identity theft.

I have no knowledge of this account. Upon contacting the original creditor, XXXX, I was informed that the

account is categorized under a business account, which strengthens my belief that there has been a mistake or misuse of my personal information. As required by the Fair Debt Collection Practices Act ( FDCPA ), particularly under Section 809 ( b ), I am requesting immediate verification of this debt. This includes, but is not limited to, a copy of any contract or agreement I supposedly signed, and a detailed account statement showing the derivation of the balance claimed. Additionally, under Section 609 of the FDCPA, I am exercising my right to request all documentation that the furnishers have concerning this account, including proof of any original signed documents. Considering that this item could potentially be the result of identity theft, I formally request its immediate removal from my credit report pursuant to the guidelines of the FDCPA. Until and unless this debt can be fully verified and validated as mine, it should not be included in my credit history. Furthermore, I had no prior notification before this account was placed on my credit report, which is a violation of my rights under the FDCPA that mandates advance notice to consumers. This lack of notice prevented me from contesting the debt before it impacted my credit. Please treat this matter with urgency and ensure the removal of this unverified debt from my credit files. Should you fail to remove the item, I request a written explanation of the decision, including the certified documentation verifying this debt. I appreciate your immediate attention to this matter and expect a response within 30 days. Please send all correspondence and proof related to this dispute to the above address. Thank you for your cooperation. 

Sincerely, XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IN)

This is a complaint about XXXX  a mortgage processor. My account was transferred to them a few months ago. XXXX XXXX XXXX XXXX informed me a few months ago that they were unable to renew my homeowners insurance because of state restrictions. I had to find a new insurance co. The insurance was supposed to start on XX/XX/year>. I found a XXXX XXXX XXXX and asked them to send the bill to XXXX. They sent the bill by e-mail to XXXX  in mid XXXX. As of XX/XX/year> this bill has not been paid.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today, I checked my credit report and noticed that there are an inquiries that I don't recognize, I did not authorize these nor given consent to these companies to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

My Name is XXXX XXXX XXXX and I am XXXX years old I have an Apartment in XXXX Florida which I have a mortgage with Nationstar Mortgage Loan Number XXXX. Original Mortgage was with XXXX XXXX XXXX and it was transferred to Nationstar Mortgage. Since it was transferred to Nationstar we receive call all day for late payments since one year. We have called the bank many times to see what the cause of these calls are but they are not sure why our number is in automated system for collection. We spoke to customer service and they told us XXXX 2014 payment is missing which we provided proof of payment still the calls keep coming in at odd hours and disturb over quite time. Its continues harassment for payment which we already paid. I would like CFPB to Investigate this case and help to resolve it as we have been trying for a year with no result. Its understandable if we were not paying the mortgage but we are current on the mortgage and still we get harassed by the bank. Attached is the proof of payment for 12 months more can be provided if requested. But we seriously need help to resolve this as its effecting my health.Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Contact XXXX My Nephew # XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (NM)

Checkr Inc. reported about my background as a criminal record to XXXX XXXX company. XXXX XXXX company reached on negative decision about my candidacy to partner with them as an independent contractor. I have no court orders or decisions about my me but I have an ignition lock and interlock driver license which doesnt prevent me to work with any company. To my understanding ignition lock is a safety lock that helps me to drive safely. USA federal law or state law do not prevent me to be hired or partnered with legally operated companies. This kind of un proofed report is interfering my existence. Please help me to stay in life and support my family!
Consumer complaint received 2024-05-13
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. (NC)

Collector - XXXX XXXXXXXX auto finance The referenced account is disputed due to multiple discrepancies. 
The account listed on XXXX and TransUnion does not belong to me due to the provided account number being incorrect. XXXX is showing the last XXXX as XXXX, which is inaccurate. Therefore, I will not nor can I take responsibility of this account. 
Moreover, the vehicle associated with this account was repossessed on XX/XX/XXXX, yet my credit report does not reflect this ; instead, it erroneously shows a charge-off status. 
The remaining deficiency balance after the vehicle 's sale was {$5400.00} as of XX/XX/XXXX, but the reported balance for XX/XX/XXXX is inaccurate at {$7300.00}. The account 's balance for XXXX, XXXX, and subsequent months should have been {$5400.00}. Additionally, there are inaccuracies in the payment history on my XXXX file, inconsistent with the records provided by XXXX XXXX. Furthermore, there is no payment history on my TransUnion file and XXXX fails to report this information altogether. 
In addition, my payments were due on a monthly basis with my contract showing XXXX payments which is equal to 48 months. However, XXXX and Transunion show a term duration of XXXX  months. 
Each time this account has been disputed it was not noted by XXXX nor Transunion, and each time the resolution being that the account was updated. After further investigation each conclusion of a resolution, there were and remain no updates to the account. 
I demand the deletion of this account from my file due to these numerous inaccuracies, which violate FCRA 623. This serves as my final dispute notification. Per FCRA 623, I insist on the complete removal of this consistently inaccurate account.

FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-19
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. (TX)

I have consistently maintained XXXX payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX payments for those accounts.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contacted credit bureau and creditors multiple times about these accounts and they still refuse to do and investigation. I'm requesting a investigation to be done or else remove accounts from my reports.
Consumer complaint received 2024-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am currently in the home buying stage, where I soon realized I have damage & negative items on my credit report. According to 15 U.S.C 1681 there should not be any damages on my report it is a defamation of my character, as all of those listed are fraudulent accounts.My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Eight Fraudulent accounts unauthorized identity theft : XXXX open XX/XX/XXXX balance {$18000.00}. XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX balance {$1000.00}. XXXX XXXXXXXX XXXX opened XX/XX/XXXX balance {$670.00}. XXXX XXXX XXXX opened XXXX XXXX balance {$1100.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$220.00}. 
XXXX XXXX opened XXXX XXXX balance {$1000.00}. XXXX XXXX XXXX XXXX balance {$2100.00}. XXXX XXXXXXXX XXXX opened XXXX XXXX Balance {$10000.00} fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXX, XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

1. ) Nationstar Mortgage increased my mortgage payment just 4 months after both/all of us completed an exhaustive in-depth modification & refinancing. We both agreed my payment would be ; {$500.00} monthly @ 4 % for a 40 years note. Nationstar jacked my payment another $ 50 monthly to {$550.00}. In 40 years @ 4 %, that equals another {$24000.00} going to Nationstar. Also, they could jack the payment again without my signature or approval tomorrow. 
Nationstar said it was needed for escrow. I reminded them that they just completed a loan mod-refi only 4 months ago which examined the escrow needed. 
I only get {$1200.00}. per month XXXX since being injured on XXXX XXXX XXXX XXXX so a {$50.00} monthly increase is a big deal to me. 
For Nationstar, it 's {$24000.00} more in their pocket. And within XXXX, possibly just 2 years, i could be " Escrow-Increased '' out of my XXXX bedroom, XXXX bath home. 

2. ) Please make Nationstar honor their 40 year agreement that my mortgage payment stay at {$500.00} as we both agreed and signed to. Also, i did not change or alter my property nor did i file any claims which might affect the escrow insurance. Nothing has changed since we passed " signed '' papers 4 months ago ( XX/XX/XXXX-XX/XX/2015 ). 

3. ) I am the 'disabled ' homeowner adversely affected by Nationstar debt collector who portray themselves as a mortgage company. 

4. ) Homeowner 's mortgage. 

5. ) Review ; Four months earlier, Nationstar went over every little detail for my loan modification, especially escrow, taxes and insurance as we finalized, agreed and signed a 40 year note. 
What good is that mortgage contract if Nationstar can keep 'unilaterally ' increasing the monthly payment by {$100.00}. each year crying " escrow ''. In 3 years, my {$500.00}. payment will become {$800.00}. per month taken out of my {$1200.00}. Soc sec. XXXX. Two more years and i will have to give them {$1000.00}. a month out of {$1200.00} ... ... ... ... ... ..Keep in mind, some years, we do not receive an annual increase from SSI. 

i 'll be homeless again.
Consumer complaint received 2024-05-13
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. (CO)

There are errors in my credit profile, which is an unfair treatment towards me. I kindly ask that you examine this problem and make the necessary corrections. I am fed up and tired of these matters, and if there are no updates on my inquiries, I will have to resort to legal means.