davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Good Morning, Today I ask for help, because I 'm trying to do the modification of loan, a few years ago with NationStar mortage, all because my rate this very high XXXX ( rate ). Already sent the documentation for them as not reach my goal.Find a lawyer who promised to help me.Make paid like it, she Recommended then she disappeared with {$3500.00}, and i have the receipt from the bank. Then I return to square XXXX .Find another lawyer who did all procedures, which also failed to further discovered that it was doing wrong according to the bank. In short I am in Foreclosure sale for XXXX/XXXX/XXXX at XXXX XXXX I need help because I do not want loose my house. Because in XXXX my house bought the same {$500000.00} and gave XXXX. I do not have anything, only my home. They can help me need urgent.Please. 
Every lawyer contact me saying going to help is Scam.URGENT
Consumer complaint received 2024-04-21
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)

On XX/XX/2024 I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/2024 this agency continues to report information that resulted from the identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, XXXX, XXXX as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt by such agency of ; 1. ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Consumer complaint received 2024-04-21
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. (FL)

XXXX experion and XXXX XXXX Have struggled to take off inquires off my record Ive called over XXXX times trying to relative and fix it they are complicating things and I finally gave up and now am seeking porefsinal help
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX - XXXX XXXX BANK ACCOUNT # XXXX This creditor is reporting this account that has had a XXXX balance for many months. 
Show as 30 days late for the month of, XX/XX/2023. 

I am requesting that this creditor update my credit file with all XXXX credit reporting agencies to payed as agreed and never late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-21
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (GA)

I have some collections with XXXX with spring oaks capital for XXXX I have another on from spring oaks capital to for XXXX dollars and I have another from diversified XXXX XXXX for XXXX dollar and XXXX more collection from XXXX XXXX XXXX for XXXX dollars according to the law frca section XXXX it's illegal to report information on my credit report
Consumer complaint received 2024-04-21
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: MOUNTAIN AMERICA FEDERAL CREDIT UNION (FL)

There are accounts reporting on my credit that I have several times reported fraud identity theft they refuse to take it off my account t Ive called at least XXXX ti, es nothing gets resolved. XXXX XXXX bank is reiiryung I had an account with them for XXXX credit card. Ive never had an XXXXXXXX XXXX card before. They will not listen. On top of mountain America keeps also reporting Ive never had a mountain America credit card and now its in collection.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NC)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Auto Finance calls me several times a day regarding a delinquent auto loan that is not mine. 

Capital One call back numbers are automated and require a loan number to gain access to problem resolution. 

I have no loan number, so the automated system bumps me out. It will not allow me request a person. 

Attempts to contact Capital One Auto via other phone numbers result in bumped calls, disconnects, and no resolution.

Capital One Auto continues to harass me even though I do not owe them money, and I have never had an auto loan with them.
Consumer complaint received 2024-04-21
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States that 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 an account without my written instructions.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 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 2024-04-21
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. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CO)

This is a complaint against Nationstar Mortgage. I am a bankruptcy attorney and often represent clients in Chapter XXXX bankruptcies. Nationstar is constantly sending notices like the attached directly to my office even though they are given directions and provided authority to send these notices directly to the client. Despite these authorizations, Nationstar consistently tells their customers that they " ca n't talk to them '' about their own mortgage simply because they have an attorney representing them in their bankruptcy case ... despite the fact we have given them specific permission to deal directly with the client on these matters. However, what 's worse is that typically the notices they send have our office 's name on them and GIVE NO INFORMATION CONCERNING THE CUSTOMER THEY ARE ADDRESSING THIS TO. Note on the attached Notice that they address it to myself, the attorney, but nowhere indicate who the client is or even what the account number is. The notice is worthless as I ca n't even forward it since I have NO IDEA what customer this pertains to. Then, they send this worthless Notice by UPS, signature required. When I speak to their office, I get representatives who do n't know what their talking about, ca n't answer questions and then often tell my office that they ca n't deal with me, they can only DEAL DIRECTLY with the customer ( after they 've already told the customer that they CA N'T TALK TO THEM ). This company needs to go out of business.
Consumer complaint received 2017-09-29
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

On XXXX I received a letter from Champion Mortgage that they did not have proof of payment of my XXXX XXXX XXXX. Proof was faxed to them on XXXX. 

I further received notice that they had not received my occupancy status confirmation. That was sent to them on XXXX. 

Also, " on my behalf '' they have paid {$3800.00} for my XXXX XXXX tax and demand full payment by XXXX. This tax is not delinquent and is not even due till XXXX. I received no advance notice of this and do not have an agreement with XXXX to pay taxes, XXXX did not answer my phone call of XXXX and on XXXX a recording stated that they were closed. On XXXX I called and XXXX, from XXXX, confirmed that they had received the XXXX tax information and the occupancy status reports and she would call me about the XXXX tax bill. NO call has been received. 

NOVAD was contacted and information was faxed to them om XXXX. On XXXX I called them for an update. They said they never got the info. It was then emailed to them with XXXX : XXXX XXXX. 

Emails have been going on since then with no progress being made. It is now the due date! 

No company has the right to demand any payment that is nor delinquent.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

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, Experian, and XXXX.
Consumer complaint received 2023-05-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (TX)

R S clark and associate is attempting to collect a debt from me the first complaint i filed RS Clark stated that i didnt give 60 day notice i am uploading the notice the leasing office of the XXXX XXXX XXXX their client was given by me and the ledger from XXXX XXXX XXXX that the whole lease was paid in full the last part of the lease was money paid by TEXAS RENT RELIEF to XXXX XXXX XXXX that amt was over XXXX i have requested from TEXAS RENT RElief copy of the email that was sent to me that TRR paid the lease off and money was sent to XXXX XXXX XXXX
Consumer complaint received 2024-04-21
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. (DE)

On XX/XX/XXXX I made a purchase in the amount of {$25.00} on my XXXX 's card. On XX/XX/XXXX I made a payment in the amount of {$40.00} to XXXX XXXX. On my XX/XX/XXXX billing statement I was notified that my account was past due. I immediately called XXXX XXXX to explain that a payment was made on XX/XX/XXXX. They could not locate the payment and I was told to file a dispute which I did. The results of the dispute arrived in XX/XX/XXXX and indicated that my payment was sent to an account that was discharged in bankruptcy in XXXX and that the balance on that account was over {$800.00}. After receiving the dispute results, I called XXXXXXXX XXXX  in XX/XX/XXXX requesting that the funds that were misapplied by TRANSFERRED to the appropriate account. I was assured that would be done and the late fees removed. In XX/XX/XXXX, I received another statement saying that my account was passed due. Again, I immediately called and asked to have the misapplied funds transferred. The associate was very helpful and was honest and revealed that this request would require manager approval, and that the previous associate did not submit the request given the reason that " the customer wished to withdrawal request ''. She assured me that she would submit the funds transfer request. XXXX XX/XX/XXXX I receive another communication from XXXXXXXX XXXX stating my account was passed due, and again, I call immediately and initiated a second dispute. This time I was transferred to XXXX and told that they COULD NOT TRANSFER the funds, so they would have to issue a refund. On XX/XX/XXXX I submitted a complaint to the XXXX XXXX XXXX. On XX/XX/XXXX my account was reported delinquent to the credit bureaus. On XX/XX/XXXX I received the refund check for {$40.00} which I must stress, I DID NOT ask for. I wanted the funds TRANSFERRED. I called XXXX 's that day and during this call the associate was able to remove all but {$2.00} of the associated fess and interest. I told him that I would send payment in the amount of {$27.00} via my bank 's bill pay. On XXXX XXXX XXXX 's received the payment. XXXX 's responded to the XXXX with inaccurate information, and although they have removed the delinquency from my account, they are still reporting my account as " passed due 30 days '' for the month of XXXX to the credit reporting agencies. This " 30 days past due '' is because XXXX 's refused to transfer misapplied funds/issue a refund in a timely manner.
Consumer complaint received 2024-04-21
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. (KS)

Disputes were filed with both Experian and XXXX in XX/XX/2021 to remove a fraudulent XXXX account. Neither have removed the fraudulent account despite being provided with documentation from XXXX that it was fraudulent. XXXX was supposed to assist with this but has done so. 

Dispute was successful with XXXX as it was removed from my credit report 2 years ago.
Consumer complaint received 2024-04-21
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. (GA)

I am writing to formally dispute an outdated and grossly inaccurate account that has unjustly tarnished my credit report. The egregious errors in your reporting have not only violated consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), but also constitute a blatant assault on my financial integrity. Such reckless disregard for accuracy and compliance can not go unchallenged and may necessitate aggressive legal intervention. 

Upon conducting a thorough examination of my credit profile, I uncovered an installment account falsely labeled as XXXX/Dept of ED Loan , with an erroneous amount of {$3500.00} attributed to my name. This glaring discrepancy permeates my entire credit report, replete with inaccuracies in Account Numbers and clandestine concealment of vital account details. The evidence I possess overwhelmingly supports my claim, leaving no room for debate or delay. Immediate rectification of this injustice is non-negotiable.

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$3500.00} Furthermore, the purported last activity date on this account bears no resemblance to the actual date of my last payment, distorting my credit history and undermining my financial credibility. These deliberate manipulations have been meticulously documented across all credit bureaus, serving as irrefutable evidence of your organization 's negligence and malfeasance. 

It is imperative to emphasize that the mislabeling and misrepresentation of accounts, such as falsely designating an account as " paid as agreed '' or inaccurately labeling another as " deferred, '' constitute flagrant violations of consumer protection laws, particularly the FCRA. Your disregard for these fundamental legal standards demands swift and decisive action. 

I demand your immediate and unwavering attention to this matter, with a swift resolution in strict accordance with the FCRA guidelines. As stipulated by FCRA regulations, I expect a response within 10 days from the date of this correspondence. Failure to promptly address and rectify these egregious inaccuracies will leave me with no recourse but to pursue all available legal avenues against your organization, seeking not only redress but also punitive damages for your wanton disregard of my rights.
Consumer complaint received 2024-04-21
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. (FL)

I want to clarify my first and last name, my current address and my full- time Job. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Recently I looked at copy of my credit report and noticed several inaccuracies in my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to endurance accuracy. 
Here is the item I am asking you to verify as accurate : Experian : 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
Consumer complaint received 2024-04-21
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: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.