davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC (CA)

On XX/XX/XXXX, I engaged XXXX to dispute on my behalf, the reporting of incorrect information of a short sale by Nationstar on my 3 credit reports. All 3 reports contain incorrect information regarding the dates of when the mortgage was opened ( some say XX/XX/XXXX, some say XX/XX/XXXX ) and dates closed as well ( some say XX/XX/XXXX, some XX/XX/XXXX ) in addition to various other incorrect listings. They went through the first round of disputes starting in XX/XX/XXXX and gave the agencies 45 days to verify. Nothing changed. We then went through a second round of disputes beginning in XX/XX/XXXX and nothing was changed. In XX/XX/XXXX, XXXX produced validation demands to Nationstar to send me the signed contracts, statements and detailed billing that was used to report the information to the credit agencies. They have failed to do so. They were then sent a non-compliance notification in XX/XX/XXXX and no response was received. Now, according to the Fair Credit Billing Act, this information should legally be removed entirely from my credit reports as some are incorrect and they have failed to send any supporting documentation.
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NV)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( XXXX ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith & Smith Investors LTD (IA)

They have claimed that i owe XXXX XXXX XXXX and i cancelled that service several times and they have refused to verify the debt. I want collection off of my credit report or I will take legal action against them.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO Bank, N.A. (FL)

BMO BANK IS SHOWING AN UNAUTHORIZED INQUIRY ON MY CREDIT REPORT. I REACH OUT TO XXXX AND THEY ADVISED ME TO CONTACT THEM DIRECTLY, SIMPLY ASKING FOR REMOVAL OF INQUIRY.
Consumer complaint received 2018-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I am filing a complaint against Nationstar/Mr. Cooper Mortgage Company due to unacceptable practices that have occurred after I refinanced my home loan. My original mortgage payment ( prior to refinancing ) was around 1k. I refinanced in XX/XX/XXXXand enjoyed a monthly payment of {$850.00} for about 15 months. In XX/XX/XXXX my payment increased back up to {$990.00}. I have since been paying this amount and haven't been able to get acceptable responses from the mortgage company. My 1st complaint about he increase took place XX/XX/XXXX. It is now XX/XX/XXXXand this is still unresolved. 

As I mentioned, I refinanced my loan inXX/XX/XXXX, but byXX/XX/XXXX my payment increased back up to XXXX and the reason I was told was because my insurance and property taxes have increased. This is not true. I recently researched this and I don't see the increase. My property taxes from XXXX to XXXX have only increased by {$190.00}. Meanwhile my annual insurance premium has remained around {$200.00}. Currently in my mortgage payment {$390.00} is being applied towards escrow. This calculates out to {$4700.00} a year. However my XXXX property tax was only {$2700.00} and my insurance premium was {$180.00}. This only totals {$2900.00} ... for a difference of {$1800.00}. I relayed all this information to Mr. Cooper and received a letter explaining there is a minimum amount balance requirement and that mortgage insurance is also built into the payment. Both factors are reasonable reasons. 

The issue is that all contributing factors that determine escrow remained constant over the life of my loan. I refinanced in XX/XX/XXXX which extended the life of my loan back to 30 years and now the monthly payment amount is right back to where it was before the refinancing. I have responded to Mr. Cooper explaining this and asking for more details. I received another letter stating that 30 days is needed so the loan can be investigated. It is nowXX/XX/XXXX and I still have yet to receive a response. 

I feel I have been taken advantage of during the refinancing process and was low balled so I did not refinance with another company. I am not stuck with a the same payment as I had prior to the refinance, but the life of the loan was extended back to 30 years. Please help.
Consumer complaint received 2024-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A. (DC)

I am writing to register complaints regarding XXXX XXXX Bank in XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. In addition to XXXX XXXX Bank as an institution, I would like to register my complaints about XXXX XXXX XXXX # : XXXX XXXX XXXX has publicized his XXXX XXXX  # as recently as XX/XX/year> through his e-mail signature, the XXXX has indicated that he is no longer registered as a mortgage loan originator. Further, it does not appear that XXXX XXXX has ever been registered as an investment adviser or broker, yet he acted in this capacity in selling securities-based products and services on behalf of XXXX  XXXX XXXX XXXX XXXX line of credit.
Consumer complaint received 2023-07-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from 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
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is 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 2024-01-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (GA)

I moved out of my apartment on XX/XX/year>. My account was closed with XXXX balance. The apartment also kept my security deposit and did not provide me with itemized bill/ledger of my final bill before closing my account. 
I was never notified that I owe any money from the apartment nor was I notified by the collectors that I owe money. The only reason I became aware of this issue was through a notification by my credit report stating that my score went down. This came as a shock to me because nobody ever attempted to contact me or provide me with documentation showing exactly what I owe. 
I need a copy of the documentation stating exactly what I owe and what my security deposit was used for and an explanation on why nobody contacted me through phone, email or even address because all those were provided to the apartment before I moved out.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

XXXX HAS REMOVED THE UNVERIFIED ACCOUNTS FROM MY CREDIT REPORT AND I HAVE TRIED RELENTLESSLY WITH TRANSUNION. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-07-25
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

Short version is that I was approached by XXXX XXXX recruiters during my senior year of high school. They claimed very high rates of successful employment, as well as top-quality accredited education. 

Their advertising worked, and I decided to attend in XXXX, after graduating XXXX XXXX. 

I then took out over {$35000.00} in student loans with which I was to attend. 

At the end of my XXXX year, I realized it was all wrong. Most of my classmates who graduated could not find work in their major. What work they could find was horribly underpaid. 

Realizing I had been misled, I left. 

Now, 15 years later, the schools are closed and the US Govt. has ruled that the XXXX XXXX need to pay back all their federally backed loans, returning over XXXX XXXX XXXX  to previous borrowers. 

My federal loans were a small part of my overall debt. 

The Private loans are a vastly larger amount, currently the balance sits at over {$14000.00}. 

I have always paid to the best of my ability, and have been in good standing for YEARS. 

I have paid tens of thousands of dollars to these people even after being misled and tricked into doing so, despite gaining NOTHING of value from attending that school.
Consumer complaint received 2024-01-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I have a {$500.00} Amex gift card. I have attempted to use it at XXXX, XXXX XXXX, XXXX and XXXX. Each time, it gets declined by Amex. The stores can not help and Amex just told me to use it somewhere else, however this is frustrating that it does not work at several large stores and it is a large gift card that is seemingly useless.
Consumer complaint received 2023-04-05
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I have XXXX private student loans through Navient for XXXX. One I borrowed {$9600.00} and it has a balance of {$39000.00} and the second I borrowed {$7400.00} with {$27000.00}. Both loans have a XXXX %. I contacted Navient in XXXX to get my loans consolidated and was told I was not eligible. I proceeded to explain that I wasnt able to make a $ XXXX payment. I entered into a payment plan that reduced my payment to {$380.00} and made XXXX auto-payments one for XXXX and another for XXXX. I had requested that my payment due date be moved to the first of the month therefore I had to make the XXXX payment on XX/XX/XXXX when I set up the payment plan and the auto pay and then another one in XXXX which I did. They assessed a late fee on both accounts with no explanation. I called on XX/XX/XXXX to inquire about the reason for the late fee and was told they would be waived. I checked my account on XX/XX/XXXX and it still wasnt removed. I called back on XX/XX/XXXX and was told again that they were reversed which they are still on my account as of today. I also received an email while I was in the phone saying that my rate reduction plan was cancelled. Again with no explanation other than system error. They were going to revert my payment back to the $ XXXX. They put me on a different plan. I also requested a school misconduct application for the loans as they are to XXXX and my federal loans are in the process of being forgiven for that school. I was told it was requested. I asked last week the status and was told it was never requested. I inquired yesterday to the original rep that I spoke to and was told it was never done and my account is still not showing that it was requested. I asked to speak to a supervisor and was told they were having computer issues and they would call me back. That was at XXXX yesterday and I am still waiting for the call. This is absolutely the worst company to do business with. I borrowed {$17000.00} and now owe {$66000.00} for a subpar education. I just got out of bankruptcy trying to better myself and trying to pay my debt but I am on the phone with them several times and they revert the payment back. I need help getting to the bottom of this. Thank you
Consumer complaint received 2023-06-13
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. (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 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (CA)

I deposited a check received from someone I know on XXXX XX/XX/year>. Because of the amount of the check, I expected the bank 's hold times for such items. But when that time ended, I asked when the hold would be released and was told that there was something " suspicious '' about the transaction. Since then, the bank will not tell me what is wrong or when the hold will end. Further, I've been given XXXX contact person to communicate with - who seems to have no power to find answers and only defends " bank policy ''. Most recently, my entire checking account balance ( not just the amount of the deposit ) has been " frozen '' making it impossible for me to use my debit card or pay bills like my XXXX bill just this morning, which XXXX told me was declined because of " a frozen account. '' This is extremely disruptive to both my day-to-day life, but my small business and professional reputation! If I were jailed in XXXX, the police would have to charge me with a crime or release me in XXXX hours - it seems my rights here are non-existent!! How can I defend myself ( if they think I'm doing something wrong ) or force them to unfreeze my account?
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NE)

Your website is totally lacking in Customer Service!! 

I fail to understand how you suddenly decide that my monthly payment should increase from XXXX XXXXXXXX {$400.00} per month to over {$1000.00} per month when I have not charged anything and have made payments. Your website does not allow any direct questions that I can readily find. You have continued to add charges in spite of payments made and no way to contact you via email to ask questions and find answers. 

I am enclosing a copy of my payments from my checking account for the past year and copies of the bills for the past XXXX months. 

Please explain the following in detail : XXXX. Why you suddenly change the amount of the monthly payment from XXXX XXXX XXXX XXXXXXXX to over XXXX XXXXXXXX. 
XXXX. Why you keep adding charges when I have made payments ( certainly less than your XXXX XXXXXXXX demands ). 
XXXX. Why you send my text messages about lowering interest rates but refuse to accept a response via text.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Employer - XXXX  XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, TX, XXXX Employer - XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-09-21
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)

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 NumberXXXX 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.