davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

I need to File a complaint on Midland credit Management You are in Violation of the FDCPA I SENT IN CERTIFIED MAIL RECEIPT TO YOUR PLACE OF BUSINESS TO THE ADDRESS ON YOUR LETTER HEAD ASKING FOR DEBT VALIDATION ON XX/XX/2019 THE LETTER KEPT FLOATING AROUND IN THE POSTAL SYSTEMS i NOTICED SOMETHING WAS RIGHT SO I ASKED TO POSTAL SERVICES TO INVESTIGATE THIS MATTER AS TO  WHY THE LETTER WAS GOING TO YOUR PLACE OF BUSINESS JUST FOUND OUT TODAY YOU HAVE A FORWARDING ADDRESS YOU REALLY SHOULD UPDATE YOUR NEW ADDRESS AS TO MANY PEOPLE TRYING TO CONTACT YOUR OFFICE THIS IS A MAJOR VIOLATION TRACKING # XXXX XXXX XXXX XXXX XXXX TRACK IT YOURSELF IT STILL HAVENT ARRIVED EVEN AT YOUR SO CALLED NEW ADDRESS YOUR COMPANY SHOULD BE ASHAMED OF YOURSELF FOR DOING SOMETHING LIKE THIS AND THE SAD PART ABOUT IT YOU EVEN HAVE IT SET UP IN WHICH IT FOOLS THE POSTAL SERVICE SYSTEM WHEN YOU THINK YOU HAVE SEEN IT ALL
Consumer complaint received 2023-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NJ)

Dear Care Credit, I am writing to inform you that your recent attempts to collect a debt from me are in violation of the Fair Credit Reporting Act ( FCRA ). Your collection efforts have caused me significant distress and hardship, as I am unable to pay this debt due to medical reasons and being unable to work. 

Under the FCRA, creditors are required to report accurate information to credit reporting agencies and provide accurate information when attempting to collect a debt. Your attempts to collect a debt that I can not pay due to my medical condition is a violation of this act. 

I request that you immediately cease all collection activity on this debt and remove any negative information that you may have reported to credit bureaus. I also request that you provide me with a written confirmation that you have taken these actions. 

Please understand that I take this matter very seriously and will pursue any and all legal remedies available to me if necessary. I look forward to your prompt response to this matter.
Consumer complaint received 2024-05-17
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. (SC)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on Experian ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are XXXX XXXX accurate so it is deemed INACCURATE. Please delete this account from my report.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Our loan was sold to Nationstar, they XXXX the mortgage, we filled out paperwork XXXX times for the HAMP, modification, all XXXX times they lost the paperwork, never returned calls, gave us the run around. We sent them payments, they sent them back, keeping the late fee, then later returning that as well. This all started XXXX XX/XX/XXXX, we now have a lawyer, and are being foreclosed upon XXXX/XXXX/XX/XX/XXXX. We tried to send them {$7000.00} in XXXX of XX/XX/XXXX, they said do n't bother. Currently our house is for sale, just went into a sale. Our credit is ruined and we are losing our home of XXXX years. Our credit was stellar and we had never missed a payment. We did pay late XXXX or XXXX but only a XXXX times. My husband and I both work 7 days a week, and pay all of our bills. We have never been through something like this, so stressful and so awful. We are leaving our home soon, and moving on. Nationstar has treated us like trash, never calling us back to try to resolve things. Losing all of our paperwork, returning our payments, and now foreclosing on our home. How can they get away with this? We never had a problem with our loan prior to them getting it. I read to the other stories from other people and it is the most terrible company to exist. Please stop them from taking people 's homes away, no one deserves to be treated like this. I have my child and my pets to care for and I have to move them as well, and it has been daunting. I have owned a home since I was in my XXXX 's, now in my XXXX 's, I will be starting over, thanks to Nationstar. Please, please, please help the people put a stop to this company and their heinous business tactics. I am in tears as I write this because I do n't know what I will do. We have had to had to hire an attorney to help us, and he has had several clients with the same problem/same company.
Consumer complaint received 2015-03-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Nation Star Mortgage bought my mortgage from XXXX XXXX XXXX several years ago. I have n't lived there for over XXXX years and it has been in various stages of the foreclosure process for years. Nation Star changed the locks on the doors, so I ca n't get in. 
On XXXX occasions last week, someone has left a hand written envelop with information from Nation Star on the front porch of my current house. They have hand written " Personal and Confidential '' and my name on the envelope, but there is no identifying information of who left it or how we can contact them. They are trespassing on private property to leave these envelopes. When we contacted Nation Star to find out about this practice, they refused to answer any questions or let us talk to a supervisor. My husband, who owns the property they are trespassing on, does not have an account with them, but they would not acknowledge having someone deliver these documents to his house. 
This is unprofessional and seems predatory to have hand delivered items left on a door step with no identifying information. That the company refuses to answer questions about their practices is also troubling. If they are authorizing this type of behavior, they should be able to acknowledge this is their practice to anyone who asks - especially someone who has had it happen to them. Also, to not allow us to speak to a supervisor, or someone other than the phone rep who has no authority, is horrible and leaves people feeling helpless. We will call the police and report the trespasser if they do it again, but they should not be treating people like this.
Consumer complaint received 2024-02-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Upgrade, Inc. (TX)

Upgrade took adverse action and lowered one of my credit accounts to XXXX They sent me a letter stating the adverse action was based on information obtained from XXXX XX/XX/XXXX and a credit score that was not disclosed. 
I called to question this action and the impact to my utilization, I was told that they did not have to follow disclosure requirements and adverse action requirements because they are a line of credit and not a credit card. I think they are lying. 
The accounts have credit cards linked to them for use. The instrument behaves like a credit account and should be held to account. it is really gray how they are running these accounts. 

I am utterly confused. 
I asked for the specific information relied on to make their credit decision and they refused, stating it was based on an electronic communication received XX/XX/XXXX. I asked, well what if it is wrong. I requested specific information as 3 entities are listed on the letter. 

They refused yet again, I have asked repeatedly for this issue to be escalated, because I do not feel they are following the rules and are doing a sloppy job. As a consumer, I think it is a tactic to deter paying off your debt and keeping your scores low so you can not refinance. Something is wrong with this. How can you use XXXX information to make a credit decision 2 years later XX/XX/XXXX. If you are not relying on this report, I have a right to see what you used so I can correct misinformation or inaccurate information about me. I have 2 accounts and the letter does not identify or specify which on or anything.
Consumer complaint received 2024-05-16
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. (AL)

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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.
Consumer complaint received 2023-12-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Acrisure Mortgage Partners, LLC (FL)

We believe we experienced housing discrimination by RMC Home Mortgage LLC due to my XXXX XXXX  XXXX status and XXXX XXXXXXXX. The company required us to provide additional statements and confirmations regarding her pay and return to work, which was set to be on the day after her XXXX XXXXXXXX ended, despite having provided proof of her income and employment. The original closing date was set for XX/XX/XXXX but they refused to approve us for the closing on that date because of XXXX XXXX XXXX XXXXXXXX XXXX from XXXX. They then set the closing date to be on XX/XX/XXXX, the day after my wife is back to work and off her XXXX XXXX. She did mention having to use a company benefit of having one holiday off the calendar year that she hasn't used because of her XXXX XXXX  the XXXX was the only day she could use it before she would lose it. They told me she would have to forfeit her benefits from the company to close on the XXXX which led to them rescheduling the closing to a later date. They then postponed the closing until XX/XX/XXXX, when they said they could confirm with the company that she was literally at work physically doing work. Not only that but they wanted proof of her first pay stub being back to work without the documentation of the requirement at closing and this requirement was made because she was on XXXX even though she had proven to them that she was making what she said and that she was still employed. This cost us additional money to pay for maintaining an interest rate lock extension. This discriminatory treatment was carried out by multiple individuals at RMC Home Mortgage LLXXXX. If the Loan Officer didn't report the others from discrimination then he was a part of allowing it to take place in the first place. He made no mention of this being discrimination outside of in the beginning that he stated the XXXX XXXX and XXXX aren't something they ask about. It became a huge issue to secure the loan within a reasonable timeline. This is also going to cost us thousands of dollars in property tax that I would have been able to get an exemption for had they closed before or on XX/XX/XXXX. They then said that we would only pay property tax as the house isn't completed even though it was signed off completed XX/XX/2022. The loan officer and the XXXX XXXX realtor seem to call each other to come up with ways to postpone closing. A lot of it was done over the phone which I do not have records of. My understanding all calls were possibly monitored and recorded. Also submitted documents through XXXX that I can not access anymore that show the additional information they needed due to my wife being on XXXX XXXXXXXX. They claimed that she could quit her job and not go back to work when the reality is she can't quit at any time regardless of her being on XXXX XXXXXXXX.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverificable, invalidated and inaccurate and questiontable items that XXXX XXXX and XXXX did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accuratre on my credit report and Under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurarate
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance Owed : {$180.00}.
Consumer complaint received 2023-09-27
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-11-06
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. (MS)

Around XX/XX/ I decided to take a look at my credit report since it's been a while since I last decided to. And I noticed misinformation/fraudulent information that wasn't associated to me. After that I went calling the companies and to my luck they weren't any help. But to fill out a form and mail it so I did that on XX/XX/ and I assumed that started the dispute process since that's what was now showing on my credit report. So I waited for the about a month or so and got letter from Transunion stating that they did their investigation and that the accounts were removed from my credit report, XXXX needed more information like my ID or passport and my SSN Card and I couldn't provide a new ID because it had my old address on it so I already knew that was going to work since the address on my Driver License was different than the one I was making the claim under, XXXX send me a letter stating that the accounts I disputed were no longer going to be on my credit report. Then around the end of XXXX I was finally able to get my new ID from the DMV so I resent the form and information/Documents they requested another month since I sent that information, so i go check my credit report XXXX had removed the information as they stated but still had misinformation involving personal information, Transunion removed 2 out the 3 accounts and didn't fix any of the misinformation, I didnt get any confirmation letter from XXXX since I sent the documents and they just removed 2 out the 3 and didnt fix the misinformation either so for both the last to its now showing as closed/charge off but is still on my credit and it's effecting my Personal Life/Well-being.
Consumer complaint received 2015-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Nationstar Mortgage will not contact me to discuss my escrow account, nor can I reach the escrow division when calling via the main number. I wait to hear each prompt, press buttons, and still get a basic customer service representative that can not help me. I spent three hours on hold last week. This week, I tried again with no success and started emailing for help. On XXXX, a customer service representative said that he could give me a number that would connect to escrow, but it was the main Nationstar number, not the mortgage number I have. It took me longer to get through the prompts without any help. Nationstar emailed me back today and said they could not help me with the information I gave them ( basically my account number and information plus complaint was not enough to have someone finally call me from the escrow department ). They also said that their records indicated that on XXXX a representative already address my concerns, but that was the gentleman that gave me a different phone number because he could n't help me. Nationstar 's escrow analyses tend to hit very high, and I want to discuss the findings of the last analysis from XXXX XXXX. I also have concerns over their request for a XXXX form. At first, I thought the document was a scam. After many phone calls, I was told to send in the form. The letter connected to the XXXX request ( which asked for my full social security number ) threatened monetary punishment if not mailed back to them. I believe they were going to garnish my tax return. The SS # was in bold letters, and could be seen through the return envelope. I truly thought it was an attempt to steal ID. After many phone calls, and an email from Nationstar claiming the validity of the document, I wrapped the completed form in paper, and returned in my own envelope which was not transparent. If Nationstar had my full SS # on file, why would they have me sign a new XXXX Form?
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (CA)

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