davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or remove them immediately in my report : XXXX OF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX 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 which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-12
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. (TX)

I, XXXX XXXX did not provide the credit reporting agencies with written permission to report any of these accounts and I am requesting the removal of the accounts listed below, from my credit reports. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ).

I did not provide the company reporting any of these accounts with consent to share my credit card ( ID, SSN, etc ) with another entity ( the credit reporting agency ) This is a violation of 15 U.S. Code 1681s-2.
Consumer complaint received 2023-04-12
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately in my report : XXXX & XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-12
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you 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 you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX, GA XXXX Date XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I returned to the country in XX/XX/XXXX for the first time since I left in XXXX during XXXX, and I was surprised to find out my XXXX accounts had been transferred to Citizens Bank. I took immediate action on XX/XX/XXXX to regain access to my accounts with Citizens Bank but was surprised to find out there had been several monthly service fee charged to my account since XX/XX/XXXX, at a total of {$100.00} deducted from my checking account and a total of {$9.00} deducted from my savings account over time. I contacted the customer service on XX/XX/XXXX to complain about the fees and to explain the situation and tried to resolve this issue, but the customer representatives ( both XXXX XXXX XXXX, Customer Representative and XXXX XXXX P., XXXX XXXX Customer Service ) told me that they were only authorized to return {$32.00} and {$9.00} to my checking and savings account individually. I expressed my strong dissatisfaction but the representatives couldn't help further. 

From my perspective, I have never agreed to the transfer of the accounts from XXXX to Citizens Bank. I found the service fees charged to myself extremely unfair since these fees would not have existed in my original XXXX account ( Both account had balances meeting XXXX 's minimum requirements to avoid fees ) Transferring my accounts without my permission and deducting fees from my accounts that were not pre-existed in my original accounts is considered unauthorized conversion of my property. Moreover, due to the extreme situation of the pandemic, I could not have been informed of this change timely. As of the time I'm writing this complaint, there are still {$68.00} of my account balance not being returned to my accounts. I would like to claim my rights with this complaint and stop similar practices from happening again.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

They current have on my credit report that I'm late for XX/XX/XXXX and XX/XX/XXXX. I'm 30 days for XXXX and its paid. XX/XX/XXXX was due on the XX/XX/XXXX and it's not set to be 30 days late until XX/XX/XXXX and XXXX shouldn't be late because it's not due yet. THe pay status should be current pay as again and the XXXX pay should be 30 days late XXXX  should be okay and XXXX should be deleted and current balance
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward for the quick deletions of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021
Consumer complaint received 2024-07-20
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX FL XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$810.00} AXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX  XXXX Balance : {$58000.00} XXXX XXXX Balance : {$860.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I sent the credit bureaus letters asking to verify the debt on my report. They have sent back letters stating that everything is verified correctly. My credit report is still showing inaccuracies. 

If you look at the current credit report for XXXX information is extremely inaccurate. 

I have also received letters saying that they need to verify my identification, but I sent all three bureaus a copy of my driver license and Social Security. 

Also those three letters were notarized just to confirm that it was me and the letters were real.

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 2023-04-12
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX And TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance Owed : {$640.00}.
Consumer complaint received 2019-04-15
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: EQUIFAX, INC. (MO)

The following accounts has reported on my credit file due to identity theft and absolutely no knowledge of mines therefore I'm asking them to be removed immediately in concert with the laws of the FCRA. I'm demanding these accounts be blocked, XXXX XXXX XXXX {$78.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$300.00}, and XXXX XXXX XXXX {$91.00}
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Southwest Stage Funding (NM)

Ive mailed every payment early. I have never missed one. They are claiming the XXXX one fl did not arrive. I never received my bill in XXXX but sent a payment to a letter in their correspondence. It was returned unclaimed. I mailed it again with another payment and a letter explaining. Mailed priority with tracking. It took almost 2 weeks to get there. In the meantime I mailed another payment with a letter to cease and decide calls but they can mail.. I spoke to someone when the one envelope was returned. I told them I was at work. I told them no when they asked if they could call again. They wanted me to stop payment on check and to take money electronically but then told me Id be charged service fees for insufficient funds if the check showed up and they tried to cancel it. So they take money ti cover check then charge me because there was no money to cover the check because they already had it. In the last payment letter I issued a cease and desist notice to the daily phone calls. They continue to call. I did have tracking on the envelope and it was delivered.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased on my credit card ending XXXX, charge was activated in XXXX XXXX, I went through the link with green check mark. Today I was told 30 days from XX/XX/24, I called earlier a few times because most I get an email the same day and the green check mark turns to a rotating circle and then its credited. 


Original charge on XXXX XXXX XXXX XXXX XX/XX/24 {$37.00}, its crazy that this department has made me call a multiple times. XXXX, when you say rewards to this automated system it puts you into a circle and you cant get a rep. 

Today the complaint was filed with the representative and was given the number XXXX
Consumer complaint received 2021-03-11
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: Experian Information Solutions Inc. (PR)

In XX/XX/XXXX I reported to Experian that XXXX had reported incorrectly that my mortgage was foreclosed on. Experian reached out to XXXX ( Lender ) and XXXX  reported to them that the Loan was " legally paid off for less ''. However my credit report states since the dispute " resolution '' in XX/XX/XXXX that the mortgage was Foreclosed on. ( I will attach evidence of this ). 

Since XXXX I am a member of all the credit bureaus including Experian. Only until yesterday did my proof of sale ( not Foreclosure ) were accepted by Experian on the www.experian.com/upload site. 

I have invested hours upon hours to get this resolved and it is adversely affecting my ability to get new credit. I am also a member of Experian and called numerous times but they say it has to be XXXX to clean this up. I am at a loss. 

This report is specific to Experian.
Consumer complaint received 2024-07-02
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. (WV)

I contacted my mortgage services, Mr. Cooper, regarding my struggles to pay mortgage. I requested an application from them a few months ago, one was never sent. 
I was finally able to speak with a representative late XXXX to advise that I required an application for assistance. I finally received it as of this afternoon. I have set up an application with a HUD  counselor to complete the paperwork. I also set up a payment to be pulled from my account for one past due payment. 
I was assured by the loss mitigation specialist that their job was to help me stay in my home However, it appears that Mr. Copper lied about this. They now do not want to pursue any other options other than foreclosure. 
I also already have one open complaint with the CFBP regarding Mr. Cooper. 

I am. XXXX XXXX XXXX, XXXX woman for reference. I also understand from my HUD counselor that she had to bring in 2 attorneys to work with Mr. Cooper last year. 
Also for reference, Ive attempted to request a loan modification a few years ago with this company, and they simply stalled it, In fact, the response was to increase the payment Thank you XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am the Creditor of the accounts listed below pursuant to XXXX XXXX XXXX XXXX ( F ) The term Credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumer credit transaction created by me granted the rights to comenitybank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by way of endorsement. I am the original creditor pursuant to 15 U.S Code 1602 ( g ) The term creditor refers only to a person whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. The debt derived from me when the note was endorsed by me. The information reported by this agency is not reporting the true and original Creditor and therefor the accounts is not reported accurately and needs to be removed. I demand you verify that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security Card was used to extend credit to these companies it was the Credit card used to fund these accounts pursuant to 15 U.S Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My loan was transferred from XXXX XXXX XXXX to Nationstar some years ago. I have been paying my monthly payment online via their payment system. NOWHERE when I make payments does it say there will be a late fee of {$170.00} if I 'm more than 15 days late. It assessed an additional {$10.00} " transaction fee '' for 15-29 days in the month. I always made the minimum payment due later in the month but ALWAYS before 30 days. I was never 30 days late in all the years. Meanwhile, a late fee of {$170.00} a month was secretly accruing unbeknownst to me!!! I never had a " past due '' notice or a late fee notice online where I do all of my payments and business with Nationstar. It ALWAYS just showed the minimum amount due each time. SUDDENLY, years later a PAST DUE notice of more than {$5000.00} shows up. I called because it had to be a mistake. Nope. It was them finally telling me online in the payment center that I had a late fee that has been accruing every month for years! I HAD NO IDEA! There is no reminder ... there is not alert ... there is no box that pops up that warns you when you pay -- -ONLY a notice that a {$10.00} transaction fee will be assessed if you pay past 15 days. That makes it appear as though that 's the late fee. If they would have had XXXX notice that I had a past due amount because of a late fee I would have IMMEDIATELY changed my habits of paying the last two weeks of the month to the first two. I NEVER would have allowed this to happen. But they do it secretly and bury it in a statement in the mail, only -- so those who pay online -- which must be most everyone -- NEVER know about this until they alert you after it reaches some {$5000.00} or more. When I called they said, " do n't worry -- we 'll move that amount to the back of the loan. '' They are loving this late fee and do n't want you to know about it. I think this is unbelievably deceptive. I am enraged about it.