davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-14
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)

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 : Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (CO)

Did a refinance with XXXXXXXX XXXX XXXX XXXX held the mortgage on the property but the refinance loan never got paid off which made customer go into foreclosure. Customer had to pay out of pocket {$10000.00} to pull house out of foreclosure. Customer contacted Mr. Cooper Mr. Coopers manager said it would be resolved, was never resolved due to the foreclosure. Customers credit has been damaged and customer had to pay XXXX fees as well as pay an additional {$10000.00} to get property out a foreclosuref When if the refinance wouldve been paid off customer wouldve never had to pay anything. Customer contacted Mr. Cooper  to inform him what was going on Mr. Cooper  contact the title company went rounds for almost a year and problem never got resolved talked to multiple managers managers told customer it would be resolved and it never got resolved. Were just companies and Title Company is putting the problem on customer when customer did everything that she needed to do to resolve the issue so customer feels that one of the company should take responsibility of the problem customer we shouldnt have to pay {$10000.00} additional to have her refinance close the year later after closing day while paying the mortgage with
Consumer complaint received 2024-05-14
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. (IL)

XXXX XXXX XXXX XXXXXXXX XXXX On time Closed {$0.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX On time Closed {$0.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX IN Other Closed {$490.00} Reported XXXX XXXX, XXXX
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I have had an account with Nationstar since XXXX sold it to them in XXXX XXXX 2015. First it took almost 6 months to report my credit. Then when they finally did it was wrong. I e-mailed them sending them documentation from XXXX for corrections.They would correct XXXX thing then report something else wrong. This went on thru-out these first 10 months. I would dispute items thru all XXXX CRA 's and they would say they were reporting correctly. Even the CRAs got the documentation.In the meantime they were e-mailing me and sending me letters to refinance with them ... I truly believe they are trying to maliciously hurt my credit so I can not go to any other bank ... Let me re-phrase that I know they are trying to hurt my credit ... Finally they corrected all the mistakes then they showed the account as Tranfer or sold. In doing so they knew very well that if they report the account as tranfered or sold that it would go to a closed status ... This is malicious and with intent to harm, hurt, mislead, and destroy my credit standing ... It is plain out defamation and slander.I called them to find out if they had sold my account they said they had not. I verified ... I called XXXX, XXXX, And asked them why my Nationstar mortgage is no longer being reported as open.. They told me when it is transfered or sold the account goes to Closed acct. As of XXXX XXXX 2015 I printed off The documents from XXXX and XXXX showing that it is reported as closed..with a XXXX ( XXXX ) balance and showing as tranfer or sold. I called again Nationstar and requested a document ... Which is in this complaint ... They are saying That they checked the CRAs and it is reporting as Opened and in good standing ... That is a bald faced lie.. This bank has cause my credit to drop XXXX points ... They " as stated in there letter '' will not do anything else to fix the issue.
Consumer complaint received 2024-08-31
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. (GA)

Ive recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (VA)

During the closing of our home, the mortgage company ( XXXX ) selected an appraiser that used higher priced comparables outside of our neighborhood to appraise the home XXXX above the sale price of XXXX. One and a half years later while we were attempting to re-fiance with our current mortgage servicer ( NationStar ), they selected an appraiser that only used lower comparables, exclusively in our neighborhood. The appraisal came in XXXX lower than the actual sale price. In both cases the appraiser noted local prices were stable. 

It appears that either the initial appraiser or the second appraiser or both appraisers made sure to select an appraisal value that most benefited the mortgage company that ordered the appraisal. In the first case the higher appraised value helped ensure we continued with the closing process. In the second case, the lower appraised value meant we needed to bring more cash to the table, as our primary motivation for re-financing was to remove the PMI from the initial loan.
Consumer complaint received 2024-05-14
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2019-06-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I contact the credit bureaus 4 times already. 

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report it.
Consumer complaint received 2024-05-14
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. (FL)

Dear Sir/Madam, I am writing to file a formal complaint regarding the failure to remove an inaccurate charge-off account from my credit report. Despite previous disputes and requests for its removal, the charge-off account with the account number XXXX, attributed to the company XXXX XXXX XXXX XXXX XXXX on my credit report. 

The inclusion of this inaccurate charge-off account on my credit report has had a detrimental impact on my creditworthiness and financial standing. I have made repeated attempts to rectify this issue by submitting disputes and providing supporting documentation, yet the erroneous entry remains unresolved. 

I would like to emphasize that I have no association with XXXX XXXX XXXX and have never incurred any debt or obligation with this company. Therefore, the presence of this charge-off account on my credit report is not only inaccurate but also unjust and damaging to my credit profile. 

I demand that immediate action be taken to rectify this matter by removing the inaccurate charge-off account from my credit report. Additionally, I request a thorough investigation into the circumstances surrounding the reporting of this account and the failure to address my previous disputes in a timely and effective manner. 

Furthermore, I expect compensation for the inconvenience, frustration, and potential harm caused by the continued presence of this inaccurate information on my credit report. 

Enclosed with this letter are copies of previous dispute correspondence, as well as documentation supporting my claim of the inaccuracies associated with the charge-off account in question. 

I anticipate a prompt response to this complaint, detailing the actions taken to address this issue and provide restitution for the damages incurred. Failure to do so may result in further legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2016-09-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (LA)

I filed complaint # XXXX. Nationstar Mortgage was a part of the complaint. The Company answered backed on the complaint stating they were unable to locate the account in question. The account number in question is XXXX should n't have been a problem to find the account that referred to me, especially since Nationstar transferred a check out of my name and refuse to return it to me. They had me to endorse it and had me under the impression that they would be sending it back to me to make repairs on my home. The check was never sent to me. I also have other documents showing an account was in effect with Nationstar.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
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. (UT)

delete hard inquiries accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX XXXX purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX XXXX needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.
Consumer complaint received 2024-05-14
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. (CA)

On XX/XX/XXXX I contacted XXXX to notify them that they had misutilized my information and published nonpublic information without my consent. My nonpublic personal information was shared with third party non affiliate agencies both by my bank and the credit reporting agency. I expressed my right to opt out pursuant to 15 USC 6802. My rights under the Privacy Act of 1974, 15 USC 1681, 17 CFR 424, 16 CFR 313.10 ( a ) ( 1 ) ( iii ), 16 CFR 313.7 ( f ) upon others were violated by the publishing and sharing of my information by XXXX, XXXX, and Experian along with the banks and credit unions which shared this information with the third party non affiliates. My credit information was shared without proper disclosure to third parties which reflected promotional inquiries on my credit report. There were numerous non mailable addresses listed on my report. There were soft and hard inquires along with transaction history and income listed on my report. Not only was I not provided proper disclosure that this information was shared and published, but it is also illegal to report income as explained in the IRS publication 4681. Please read the attached letter for a detailed description of these specific violations which were neither cured nor acknowledged by the credit reporting agency.
Consumer complaint received 2024-07-31
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 have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
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. (NY)

I am writing to express my XXXX with the dispute process regarding an items on my credit report and I want to dispute these fraudulent information. Despite my diligent efforts to provide valid documentation such as the required XXXX report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. 

The items in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. 
It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling these obligation and are exposing me to further harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

After visiting on 3 different occasions the local XXXX de XXXX XXXX XXXX, translated is XXXX. XXXX XXXX, which is only for government employees like I was, they certified in writing, that my loan with them : THAT THEY ARE NOT THE ONES REPORTING MY LOAN WITH THEM AS DEROGATORY, COLLECTION, AND PROFIT LOSS - my loan has not been reported as a loss ; as reported by Trans Union since XX/XX/2022 ; see page 2 of the Letter included, in XXXX, on page 3, of the 15 pages document called : " My Complaint to Trans Union XXXX XXXX XXXX  ''. 
The letter starts on page 2. 
- neither has my loan been reported as derogatory ; as reported by Trans Union- they have also not reported my loan as a collection account ; as reported by Trans Union the account continues in the Association where it originated. 

But, the Trans Union Credit Report is showing : - this account as charge off/ delinquent account ;- with a derogatory status- but, at the same time, there are no days late reported at all ; a contradiction I included within this complaint : - an English Translation of my complaint ; - documents showing, Trans Union Credit Report of SXXXXXXXX XXXX XXXX showing this same account reported by Trans Union in contradiction with what was certified by the XXXX XXXX XXXXXXXX XXXX officers ; - the same letter from the XXXX. XXXX XXXX officer XXXX XXXX XXXX, handled to me personally today, XXXXXXXX XXXX XXXX, by their administrative officer and collection manager XXXX XXXX XXXX XXXX, the employee who received me at their offices in the last 2 visits due to this problem, first visit was XX/XX/2022, with the second and third last XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX ; - Copies of the letters, marked as received at the XXXX XXXXXXXX XXXX are included, but all three in the original XXXX Language ; - I also included evidence about why I do not work at the Puerto Rico Dept. of Education, and that it ended in the Supreme Court of the U.S. where it could be easily seen publicly just typing my name within the Docket Search section : XXXX XXXX XXXX - I also include evidence showing Supreme Court denial to hear a Case does not mean they approve the lower courts actions ; - I also include the last payment receipt made by myself personally last XXXXXXXX XXXX XXXX : For an unknown, their XXXX XXXX XXXX forgot to include it. 
Page 9, of My Complaint to Trans Union document ;
Consumer complaint received 2019-04-21
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: EQUIFAX, INC. (TX)

XX/XX/2019 my credit score went up to XXXX. Then on XX/XX/2019 it went down 4 points for using my vard. My total usage was 19 % and went to 25 % in the same month. I am being penalized for simply using my credit cards which I pay off at the end of my cycle. 
The prepaid card reports the XXXX The credit card reports the XXXX They each report twice a month. 
Then every 7 days sometimes 3 times a month my credit score is changed. 
XXXX is playing with my score. 
I should not be penalized for using my card within the same cycle.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.