davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I have a Nationstar Mortgage account, I just realized that they increased my monthly payment, because their guidelines allow them to do that, based in amount that they want to have as a " cushion ''. I never received any communication about it. I have requested that they need to remove the referenced " cushion amount '' which was never authorized.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have filed plenty of disputes because I have been a victim of identity theft I have even filed a claim with the federal Trade commission because my identity has been used for multiple credit accounts without my knowledge of and I would like them disputed because the person behind this has gotten all of these accounts closed and now its affecting my credit in a negative way!
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally file a complaint against XXXX XXXX for incorrect reporting to all three major credit bureaus XXXX, TransUnion, and XXXX. Despite numerous attempts and communications with XXXX XXXX to address and correct the inaccurate data reflected on my credit report, the issue persists unresolved. 

The inaccurate reporting by XXXX XXXX has significantly and negatively impacted my credit score and financial standing. The failure of XXXX XXXXXXXX to correct the erroneous information is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions set forth in US Code 1667, which mandates the accurate reporting of consumer credit information and provides consumers with the right to have incorrect information corrected in a timely manner.

Here are the key points of contention : 1. Incorrect account status : XXXX XXXX has reported my account as charged off, late, included in Bankruptcy, and Unrated which is inaccurate.

2. Failure to update information : Despite providing evidence and numerous communications with XXXX XXXX to correct this data, there has been no adequate response or action taken on their part to amend the inaccuracies.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the account # XXXX opened with XXXX XXXX on XX/XX/. This account was opened in fraud, and therefore, I am not responsible for the balance of {$1000.00} associated with it. 

I have never leased anything from XXXX XXXX and have no knowledge of this account. It is clear that someone has fraudulently opened this account in my name without my consent or knowledge. I have contacted XXXX XXXX to inform them of this fraudulent activity, but they have not been helpful in resolving this matter.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally file a complaint against XXXX XXXX for incorrect reporting to all three major credit bureaus XXXX, TransUnion, and XXXX. Despite numerous attempts and communications with XXXX XXXX to address and correct the inaccurate data reflected on my credit report, the issue persists unresolved. 

The inaccurate reporting by XXXX XXXX has significantly and negatively impacted my credit score and financial standing. The failure of XXXX XXXXXXXX to correct the erroneous information is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions set forth in US Code 1667, which mandates the accurate reporting of consumer credit information and provides consumers with the right to have incorrect information corrected in a timely manner. 

Here are the key points of contention : 1. Incorrect account status : XXXX XXXX has reported my account as charged off, late, included in Bankruptcy, and Unrated which is inaccurate.

2. Failure to update information : Despite providing evidence and numerous communications with XXXX XXXX to correct this data, there has been no adequate response or action taken on their part to amend the inaccuracies.
Consumer complaint received 2024-08-29
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-18
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. (NY)

I am writing ( again ) to formally dispute the inaccuracies and inconsistencies in my credit report regarding the account with XXXX  XXXX, Account Number : XXXX. I have recently received my credit reports from XXXX, XXXX, and Experian, and after a careful review, I have identified several discrepencies that require immediate attention. 

XXXX inconsistencies in XXXX Dates : XXXX XXXX the last activity on XX/XX/XXXX. 
XXXX reports the last activity on XX/XX/XXXX Experian XXXX the last activity on XX/XX/XXXX XXXX. Discrepancies in Reported Late Payments : XXXX  XXXX reported a XXXX late payment to both XXXX & Experian XXXX XX/XX/XXXX. 
- However, it was reported to XXXX that I paid on time XXXX. Request for Documented Proof : I request DOCUMENTED PROOF of any LATE payments associated with this account. 

These inconsistencies not only misrepresent my credit history but also violate the Fair Credit Reporting Act ( FCRA ). I demand immediate action to rectify these errors, including the escalation of this investigation and the removal of the account from my credit report. 

I expect a prompt response within the statutory timeframe as outlined by the FCRA. Please provide me with updates on the progress of this dispute and any documentation supporting your investigation. 

Failure to address this matter appropriately will leave me with no choice but to pursue further legal actions to ensure the accuracy of my credit report.
Consumer complaint received 2023-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (VA)

My monthly payment is {$2400.00}. The bank after a single year has 'found ' a shortage of my Escrow, that they are responsible for calculating. They are now claiming my monthly payment is {$32000.00} which is > {$700.00} dollars different. They sold me on the reduced mortgage amount during the refinance process and now have taken back any savings that I had from the refinance. The Bank deliberately low-balled the escrow estimate to get me to sign the new loan, which is Fraud. Flagstar bank has conveniently made an error in their favor on a regular basis that has impacted my financial status over the last year of having the loan with them. Their 'miscalculation ' is 77 % higher, my taxes didn't go up by 77 %. My Tax value went up by 15 % not 77 %. There is no reasonable reason why my escrow value should double.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-04-18
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. (LA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2023-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC (GA)

The company stated in a notice that they are unable to extend credit to me because of settlement information listed on a credit report for an old account. I spoke with XXXX in the applications department, XXXXSupervisor in the applications department, and XXXX Manager of escalations. I informed them all that it is unlawful and an act of discrimination for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction or because the applicant has in good faith exercised any right under this chapter. XXXX stated she would put in a ticket to escalate the matter for a resolution within 24 hrs.
Consumer complaint received 2024-08-08
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. (CA)

I understand how important it is to make timely payments. However, I missed my payment because COVID-19. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment. 

As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/year> ]. Please consider my track record as proof that I take my financial obligations seriously.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have a Countrywide Mortgage that originated in XXXX. Bank of America services the mortgage. Bank of America has informed the CFPB that they answered a Complaint I made ( Complaint XXXX ) and submitted to the CFPB on XX/XX/XXXX The CFCB website states that Bank of America responded to the Complaint on XX/XX/XXXX. It is now XXXX XXXX EST on XX/XX/XXXX and I have not received the response. " Status Company responded on XX/XX/XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint. '' Thank you.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies Transunion, XXXX, and XXXX do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' EXETER FINANCE LLC never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681XXXX ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (GA)

Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Accounts Service Team Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX XXXX ) XXXX ... FIN ACCTS SV  ( Original Creditor : 09 XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have my mortgage with Nationstar after XXXX transferred or sold my note to them. 
On XXXX XXXX I called and wanted to know why I am always being charged fees here and there. Always saying Legal Fees. The person on the phone could n't answer me but said he would put in a request. Still waiting. So since then I went into my account to make a payment and I see that I am being charges FEES of over {$1200.00} and my escrow account increased from last month to this month. My analysis was done in XXXX. I have been paying towards a shortage, if anything it should be less! 
So I called to get an explanation of all the changes and charges to my account and No One could answer me. After being transferred 3 times I finally ended up at the Escrow department where a lady named XXXX understood my concern and said she would send a request to look into it! I am truly annoyed with this company and everytime I call, I am speaking with someone out of the country who can not answer my questions! Why are they gouging me with all these fees thinking that I am too stupid to notice!?
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
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. (PA)

Upon checking my credit report I have notice inquiries I have not authorized I called TransUnion to have them remove I took every step to have these inquiries remove an they still appear on my credit report when going to the FTC website to submit fraudulent complaints they redirected me to put an complaint in with you please have TransUnion remove the following inquiries XXXX XXXX dates : XX/XX/XXXX XXXX XX/XX/year> XX/XX/year> XXXX XXXX XXXX  date XXXX XXXX
Consumer complaint received 2024-04-18
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. (IL)

I have consistently maintained on-time 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 timely payments for those accounts.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2023 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.