davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I had a mortgage with Nationstar Mortgage which I refinanced elsewhere. I had to complain to get all of my escrow refund, but they finally sent a second check. Now, I am reviewing the statements from them and doing an audit and I find that they XXXX paid my PMI in XX/XX/XXXX. 

I am attaching the annual escrow statement dated XX/XX/XXXX showing the previous year 's payments, which shows they paid PMI in all 12 months ( no skipped payments to be made up later ). It also shows an ending balance of XXXX. 

I am also attaching the last escrow statement dated XX/XX/XXXX which strangely shows a beginning balance of XXXX. That statement goes on to show XXXX payments for PMI were made on the same day XX/XX/XXXX. 

When I called them they said the second payment on XX/XX/XXXX was to make up for a missed payment in XXXX. The problem with that is the statement says there was no missing payment, in XXXX or anytime in the year. 

They then tried to explain that the Annual Statement is a projection and not actually what was paid. This is again ridiculous as the statement was issued XX/XX/XXXX but included what they said are projections of what had happened in XX/XX/XXXX? Additionally the statement says the figures are " Actual Disbursements '' not projections.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX, I am submitting this CFPB complaint, once again, to correct the inaccurate accounts on my credit file. I demand immediate correction of these accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. 
These inaccurate accounts are clearly inaccurate and are negatively impacting my creditworthiness and by submitting this Complaint, I demand that you correct the accounts off as soon as possible : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file.XXXX XXXX XXXX Balance Owed XXXX XXXX XXXXXXXXThe limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-02-01
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. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing ( CO ) is a debt collector for XXXX XXXX ( XXXX ). CO has information on my credit report as an unpaid debt with XXXX. On XX/XX/, I paid the debt with XXXX to XXXX  on their website and received confirmation of the payment in full. I have sent multiple emails and have disputed the entry for CO multiple times on my credit report however, CO is not responding to my emails and CO reports that the information is accurate on my credit report - even though it is not accurate. I finally received a statement from CO on XX/XX/XXXX  showing the account as paid off however a dispute I had filed to have the information removed was closed on XX/XX/XXXX  stating CO says the account is still not paid off.
Consumer complaint received 2024-04-13
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-01-19
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. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-09-02
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. (AZ)

I got a30 day late reporting to the credit bureaus. I was never contacted by XXXX XXXX ever about this late payment. My credit history has always been impeccable and I have never had a 30 day late. When I spoke to a supervisor after I notice my credit report she said she could not reverse the action. When I asked why I was never contacted she had no answer. Since that event I enrolled in auto pay so this will never happen again.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion XXXX and XXXX have been requested to add my statement to my credit file. I would like this statement added to my credit report on my sent to every company who has viewed my credit file since XXXX. Statement '' I have requested XXXX XXXX send to my address a copy of the original signature when this debt was established. XXXX is inaccurate with reporting the 1st date of of being late in XXXX. CFPB published that XXXX was found guilty of thhe same concerns I have. CFPB reportedWhen XXXX XXXX purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations ''
Consumer complaint received 2024-01-17
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. (VA)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Dear XXXX XXXX, XXXX, and Experian, There is information that on my consumer report that is inaccurate. I am requesting that the reporting of this information be deleted. Under 15 U.S. Code 1681 e ( B ) and 15 U.S. Code 1681 I ( 5 ). These accounts are in violation of not reporting 100 percent accurate. Please see attached credit report with items highlighted. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block deep transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice I look forward to your response. 

Thank You
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX are reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX, LLC- XX/XX/2022 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX OPEN Balance {$750.00}. 
Acct Status : OPEN. XX/XX/2022 Remarks : Placed for collection. ( solely based on the comment, the account has not been classified and should be deleted ). According to FCRA Law an account can not be reporting Open and In Collection at the same time.
Consumer complaint received 2024-04-12
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. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-13
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. (TX)

Again, I value the efforts already made to address some inaccuracies in my file resulting from incorrect reporting on my credit report. However, I also repeat that there remain several inquiries and an inaccurate address that require removal. After reviewing my credit report, I noticed persistent inaccuracies that I find problematic. Upon contacting the companies listed below, I requested the removal of these inquiries from their records and the deletion of any associated records with credit reporting agencies. They have assured compliance with my request and the necessary steps for resolution. Nonetheless, I am reaching out to ensure these corrections are fully implemented. The list below details the outstanding inquiries and the inaccurate address that need to be excised from my credit reports : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX ======XXXX  : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ======XXXX  : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX As a forthcoming mortgage applicant, I am keen to ensure my credit score accurately reflects my creditworthiness. Enclosed with this communication is my updated FTC report, numbered XXXX. I request a comprehensive report on your findings within the next XXXX  days, anticipating prompt resolution to this matter.
Consumer complaint received 2024-04-13
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. (NY)

XXXX XXXX XXXX XXXX has been harassing me for over 2 years straight day and night. Calling me at all kind of weird times of the day. They've threatened me over the phone with the outcome of my credit being tarnished. They are unable to provide me with validation of this debt these accounts have been reporting CO for years without validation further destroying my credit report and under. I gave company 30 days to validate this and send over license information they haven't sent over ANYTHING. NEW YORK STATE CONSUMER LAW : XXXX XXXX XXXXXXXX debt collection laws and regulations are among the strongest in the country. A creditor MUST PROVIDE! 

Must provide you with specific information if you ask them to verify a debt that is, to confirm that the debt is valid. 
Must be licensed as debt collectors by the NYC Department of Consumer Affairs. 
May not call you more than twice a week about a debt. 
Must confirm any settlement agreement with you in writing within five business days. 
Must disclose certain information to you if they try to collect on a debt that is past the statute of limitations. 

They haven't done any of these things. They've made me paranoid about my credit report. I asked them to please provide proof of this debt through a credit agreement or debt validation letter, master promissory note. They only provided me with payment history. This is not proof of agreement nor a validation of ownership. This company isn't even licensed in New York state and NY Consumer Law states unlicensed companies may not collect here. This is harassment and gross negligence on not providing any proof of this account but also still calling and sending me letters after i requested to not be contacted anymore either. this has also been affecting me for to long. 

as a XXXX  resident We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. - 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : the use or threat of violence ; use of obscene or profane language ; and repeated phone calls made with the intent to annoy, abuse, or harass. 

they also provide these phony license numbers on there website and letters NONE OF THEM POP UP when searched. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Worker Protection License Numbers : ( DCA ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2023-11-08
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)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-01-19
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. (MD)

To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (CA)

My complaint concerns a check sent to me by the United States Treasury, which was intercepted during transfer, stolen, and cashed fraudulently. The check was deposited to an account at the Navy Federal Credit Union by a person other than myself and who did not have my authorization to do so. 

I do not have an account at the Navy Federal Credit Union, so their agent recommended that I contact CFPB for assistance.

I have attached photocopies of the front and back of the check that was cashed fraudulently.. The back of the check contains account numbers and additional information that should be sufficient to identify the responsible party. This information should reported to the appropriate authorities.

Please note : In the event that CFBP is not the appropriate agency to pursue a claim of fraud as described above, please either forward my complaint to the appropriate Federal agency or kindly provide information that will enable me to follow up.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Incorrect personal information displayed on personal credit report.

Have attempted multiple times to have this information removed without any success.

My credit report personal information is showing an address that I have never resided at and an employer that I have never worked at.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AL)

I made XXXX payments in XXXX of this year however I miscalculated because the taxes had increased. Instead of applying the additional funds to my account Nationstar held the funds for 90 days. I was unaware but received foreclosure notices in the mail in XXXX. I contacted Nationstar in XXXX and was under the impression everything would be resolved paid the difference that night plus charged an additional fee because of a handling charge when doing it over the phone. To my surprise this did n't get taken care of so I had to call again in XXXX. In the meantime Nationstar had been reporting me late to the bureaus a rolling late since XXXX. I 'm devastated over the issue and the mental anguish\concern has been difficult for us as a family. I received an email regarding late fee charges instead of addressing my issue. I was suppose to receive a letter from Nationstar where they were going to fix the reporting error with the bureau 's however that has n't happened yet. Nationstar had someone come out to my house and knock on the door, left a notice on the door knob as well but it was in another language so we were n't even sure who left it. I threw it away but now I 'm extremely embarrassed now that I know why the person was sent. Not to mention I do not understand the lack of common sense used by this company. Nationstar was aware they were holding a whole loan payment shy of XXXX but did n't apply the funds and sent a foreclosure notice instead.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I, XXXX XXXX, consumer, am demanding these accounts to be removed from all credit reports per 15 USC 1681c-1 : XXXX XXXX XXXXXX/XX/XXXX Total fraudulent amount : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX fraudulent amount : {$4800.00} XXXX XXXXXXXX XX/XX/XXXX Total fraudulent amount : {$2100.00} I am disputing these accounts per 15 USC 1681b ( a ) ( 2 ). After reviewing my accounts, it shows accounts that I question. In accordance with my rights under the Fair Debt Collections Practices Act, I am disputing these accounts and requestions VALIDATION that there is proof of debt. I am demanding the removal of these accounts immediately.