davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (CA)

Hello, I got behind with my mortgage payments after the COVID and losing my employment. I have been trying to work out a plan with Mr. Cooper and make my current monthly payments and catch up with the past due later. Not only, they are not trying to work with me, but also, their actions of dragging this for over a year makes it even harder to pay because the past due amount gets larger and larger. 

Mr. cooper is not truthful, while they are pretending that they are willing to work with me by asking me to apply for assistance, requesting documents over and over, however, they have an active foreclosure sell date for scheduled for XX/XX/year> ( attached ). My single point of contact, XXXX XXXX XXXX, which is very hard to reach assured me last week that while they were working with the sale date was on hold.

Just today, they requested more information ( attached ), however, when I called and asked them again if the sale was on hold since there was only eight days left, the representative told me that, " no, it is not on hold and the only way to stop it, is to bring the account current, paying the past due amount all in full '', which is impossible to do now. Isn't this a dual tracking at best and fraud at least?

Please help me to start paying my mortgage payments and stay in my home. 

Thanks XXXX XXXX.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (PA)

I was scammed by another member of the same bank XXXX XXXX I was led to believe I was renting an apartment and then when the person was paid thru my chime account to her chime account she blocked me. I have continuously contacted chime to try n fix this n they keep denying my request. I have reported this scam to the FBI n the ftc n I told chime this n they do nothing. They are allowing scams to be ran thru there bank. They refuse to help me
Consumer complaint received 2024-03-18
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (OR)

On XX/XX/XXXX, I reached out to XXXX XXXX XXXX to inform them of an issue that I was facing that was preventing me from paying my car payment on time. I informed them that I needed the money to pay for my daughters anti XXXX medication. when I spoke to the representative, she told me that I had no choice but to pay my car and they had to have a payment on the XXXX. if not I was going to lose my car. I asked them if I could get until the XXXX and they said that was out of the question. All I needed was an extra week and they couldn't even do that, they offered no solutions and offered no help at all.
Consumer complaint received 2024-06-03
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)

Violation of Federally Protected Consumer Rights Dear To Whom it May Concern, I am writing to formally address a serious issue regarding violating my federally protected consumer rights to privacy and confidentiality, as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The following accounts have infringed upon these rights 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 violations pertain to several specific sections of the Fair Credit Reporting Act : 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy.

12 U.S.C. 1681 Section 604 ( a ), Section 2 : It states that a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits any consumer reporting agency from including any adverse information in a report that is more than seven years old, except records of conviction of crimes.

15 U.S.C. 1681s-2 : This section states that no person shall 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.

The aforementioned accounts have contravened these provisions, thereby violating my rights under federal law. I request immediate action to rectify these issues and ensure that my consumer rights are upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation (VA)

Paid {$600.00} to One Main Financial on XX/XX/year>. The payment cleared my checking account XX/XX/year>. I checked the credit card and no available credit. 
Upon calling the company I was told all payments had been paid on time. But he had to check something else. He checked and told me the funds will be held until XX/XX/XXXX. Because a check was returned in XXXX. So I asked why wait until now and no answer. 
I even explained this was going to require me to cancel my travel for the holiday. 

I requested the funds be applied and they have not.
Consumer complaint received 2024-06-07
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: TRANSWORLD SYSTEMS INC (TX)

I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and discovered erroneous information that is not mine. This misinformation is adversely affecting my creditworthiness and character, particularly as I am in the process of securing a new home.
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CT)

I was issued a loan modification ( not under a government plan ) by Nationstar Mortgage LLC. This was, and is a jumbo loan. The NationstarModification did not help lower my interest rate, which was 6 %, and still is to this day. I guess the modification was that they allowed a 2 year period as " interest only '' payments. In XXXX XXXX I began looking into a refinance to lower my rates to a competitive rate. I was quickly advised that my mortgage was listed as " in Dispute '' by Nationstar. I was also told that Nationstar had reported 5 late payments of more than 90 days. I immediately contacted Nationstar to dispute the late payments, as I pay electronically and have complete records of every payment. They told me they could not tell me the dates, as I was not the correct point of contact for my loan. They told me the law firm that represented my at closing was. I had that firm ( the lawyer contact had left that firm 198 months prior ) to write a letter confirming their dismissal as the point of contact. Along with that letter I included a letter from Nationstar to me advising that the first date of payment would be XXXX XXXX, XXXX. It turns out every reprted late payment was prior to this dateof my first payment. In fact, they applied my XX/XX/XXXX payment to XX/XX/XXXX, even though my firdfirst payment was XXXX XXXX, XXXX. Nationstar reports that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments were all late 90 days, even though they advised me in writing that the first payment was XXXX XXXX, XXXX. I have tried repeatedly to get Nationstar to acknowledge this in writing by email and fax, and I have tried to get them to engage me to modify or re-issue a new or modified loan, because no other lender will touch this because it is my mortgage company who is reporting my incorrect payment history, This raises a huge red flag to anyone willing to help me try to refinance to a competitive rate, and significantly lowers my credit score, both of which make it impossible to refinance. Nationstar has completely avoided dealing with me and will not return my calls. This is just part of my attempt to get them to correct their errors. If I would refinance to a competitive rate my payments would be close to XXXX/month less.
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. (VA)

This is my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX and XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-07-15
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. XXXX XXXX XXXX.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

On XX/XX/year> I purchased an XXXX XXXX XXXX XXXX in the XXXXXXXX XXXX with the expected delivery day of XX/XX/year>XXXX XXXX XXXX  XXXX and on that day I didn't receive my package. I reach out to the merchant they refused to provide me with a solution and they eventually sent me a photo of confirmation of package delivery but it was not on my porch. I explained that to them and they still refused to provide a solution. I then reached out to my back ( PNC ) and filed a dispute on XX/XX/year> they said it took up to 90 days for the dispute to be resolved. I patiently waited just for them to deny my dispute of XXXX. XXXX XXXX XXXX XXXX with a XXXX XXXX XXXX XXXX and losing {$500.00} like that is absolutely absurd. That was my first dispute with PNC and they were not helpful and within the 90 days they didnt reach out for extra documentation or any questions before they made a final decision and on top of that they closed my account.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX under XXXX U.S.C. XXXX any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete late payment or remove XXXX XXXX XXXX  card account ending in XXXX from my credit report. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer 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. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. The company sent me a letter stating the issue has been resolved when it has not been resolved. XXXX XXXX credit card is still reporting a late payment from XX/XX/year>. Please remove this late payment as this information is incorrect.
Consumer complaint received 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (NJ)

I was scammed, the scammers were impersonating another company called XXXX. I was under the impression I was being hired to work for the company and would be processing reviews for restaurants. When I had to input my own funds on to the workbench, I applied for a loan and was approved by the bank. However, there wasn't much information or due diligence that was done by the bank to ask what the loan was for, to perhaps warn or give information on fraud or scammers of doing this type of scamming. When I spoke to a few other banks, I was told that this has been happening often and the banks have been warned of what the scammers are doing to try to obtain people 's funds. 
I was approved for the loan by the bank and the funds were deposited into my account. Shortly after receiving the funds, the funds were immediately taken out of my account and wired to a fraudulent account, which I was told was going to go to my workbench to do the reviews for the restaurant and then was told I would receive my funds back immediately. This did not happen, and my funds were gone and money was never recovered. Since this has happened, I no longer have the funds to pay the loan right back as planned too, after I was told by the company, how the process works. I have attached screen shots of the money being deposited in the account and quickly leaving and depleting my account. I am a schoolteacher, so I don't work during the summer and I don't make much money as it is, especially with the rising costs of inflation. I am not able to make this loan payment ( XXXX ) because I was not intending to not receive my money back that was placed on the workbench from what the company that hired me stated they would be doing. My credit is be effected in a negative way because of this and I am unable to make these payments. You can also see some conversations between myself and the company that impersonated themselves as the XXXX company.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (GA)

RENT RECOVERY SOLUTIONS placed an account with adverse information on my credit report with XXXX XXXX, XXXX, and XXXX. I never had any relations with the company and I never gave the company any direct consent to have, use or share my non public personal information. Therefore, making the possession, use and sharing of the information an act of identity theft. Also, accessing my credit reports to furnish false and misleading information is a violation of my right to privacy. I am seeking redress and compensation for being violated. I am aware that my consumer rights under the FDCPA allows for {$1000.00} compensation for failing to refrain from false and misleading representations and {$1000.00} under the FCRA for furnishing information to my credit report without my direct written consent. Please see attached.
Consumer complaint received 2024-08-01
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)

Failure to delete multiple accounts unauthorized fraudulent inaccurate phone numbers addresses never lived at employers incorrectly previously filed fraud with irs improper use of Credit for Credit cards and car loans inquires placed on credit report for fraud accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX etc report filed for XXXX transunion and XXXX incorrect reporting
Consumer complaint received 2024-06-06
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. (GA)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2024-06-04
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission.