davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was working with my lender Nationstar for a loan modification up until the last few days before the foreclosure trustee sale. I spoke with many representatives with Nationstar up until the day of the sale on XX/XX/2016 and was asked to send in additional documentation in which I did. However on XX/XX/2016 they proceeded with the sale and my property reverted back to the beneficiary. I am not sure why the proceeded with the sale when I was in review and being asked to send in more documents, I feel I was treated unfairly and not being properly reviewed or sent to the correct department to escalate my file due to the urgency of the sale.
Consumer complaint received 2023-12-20
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. (MA)

XXXX  - XXXX I was never late on this account- Please check the status on this account XXXX  - XXXXXXXX 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 The following personal information is incorrect. Please remove it from my credit report
Consumer complaint received 2020-12-03
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. (OH)

The issue is with TransUnion. 

In XX/XX/2020, I had a secured credit card at my credit union upgraded to an unsecured credit card with a higher credit limit. TransUnion listed it as a mortgage. I asked them to change the record to an unsecured credit card. They instead removed the whole record from my credit report, saying that they removed the record upon my request ( they did not fix the record and leave it there as I asked them to do ). In XX/XX/2020, I tried to get the problem fixed again, this time saying that please just put the unsecured credit card back on the report. They said that the credit report was correct as is, again saying the secured credit card was closed and the unsecured credit card was removed upon my request ( I wanted it fixed, not removed ). I also told them that their employment info for me was not up-to-date ( my mistake ). When I did the attempt in XXXX, I purposely had a balance on my monthly statement so the balance would show up as OPEN on their end ( I thought this might help -- my mistake ). This caused my credit score to go from GOOD to UNFAVORABLE ( I paid the balance after the monthly balance registered at the credit reporting agencies -- I normally pay it right away, but I purposely put it there to show " open '' account activity. In the UNFAVORABLE rating, they also claimed I had a new job -- I've been working at my current employer for 5+ years ). I made a phone call to TransUnion to try to fix it with a human. I got XXXX in the dispute resolution department. I did get her to fix the notion that I was no longer working for a former employer, but she said that the closure of the unsecured credit card was not " fresh '' enough for her to fix it on her end and that she needed my credit union to contact TransUnion to reactivate it again. Finally I tried working with my credit union in XXXX to have them confirm that my unsecured credit card is OPEN. The folks at TransUnion only affirmed again that the secured credit card was closed. Yes the secured credit card is closed ( I agree with them on this one ), but the unsecured credit card is open with a higher credit limit, and I am getting close to 6 years on the job with my current employer. 

The credit reports at XXXX  and XXXX  are correct, but the more I try to work with TransUnion, the more they muck up my credit report. Can you get TransUnion somehow to gather information from XXXX  and/or XXXX  so that all three are on the same page? I am at my wit 's end dealing with TransUnion. I think they may be a bit punitive when you point out an error on their end. If they finally do get the situation fixed for real on their end, I hope I never have to contact them ever again based on their poor customer service.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive been back and forth with all 3 credit bureaus XXXX, Transunion and XXXX disputing a XXXXXXXX XXXX account since at least XXXX of XXXX Ive disputed the account online and have disputed it by certified mail twice. Basically XXXX says I owe a balance I dont owe. I have an email from them showing they were supposed to apply a credit to my account which they never did. Ive explained this to the credit bureaus ( XXXX, Transunion and XXXX ) sent them the documents and they never remove the account simply because XXXX says I owe it. When Ive shown them in writing they agreed to apply a credit Im owed and they never did. Also proving I dont owe whats being said. The only resolution in this case would be to remove the account from my credit report. I will attach the photo of the email I sent them ( again proving the account is wrong ) along with the balance sheet and the most recent certified mail receipt. Showing Ive made every effort to resolve this matter.
Consumer complaint received 2023-12-20
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (MN)

On XX/XX/XXXX I applied for a BBVA checking and savings account using a promotional offer to receive a {$200.00} and {$50.00} bonus respectively. I have completed the requirements of the offer. When I asked BBVA when I would be paid, they said that I wasn't eligible because I had a checking account open in the last 12 months. Fortunately I keep my own records and know this is incorrect. I closed my last BBVA checking account on XX/XX/XXXX. As anyone can see, it has been more than 12 months and thus I am eligible under the terms.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

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. 

Details of the accounts are as follows : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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: EQUIFAX, INC. (KY)

I XXXX XXXX consumer who is a victim of identity theft. XXXX, XXXX and Equifax has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish.Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX, and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair CreditReporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX. I enclosed all documents social, ID and statement below. 
Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XXXX XXXX XXXX  Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (FL)

I am writing to bring to your attention a concerning matter involving Shellpoint Mortgage, the servicer for my loan with the following details : SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, TX XXXX Loan number : XXXX Over the past year, I have encountered significant challenges with Shellpoint Mortgage concerning their imposition of forced insurance on my property ( condo ). They assert that the XXXX XXXX XXXX XXXXs incorrect, prompting the placement of an additional policy. Despite my repeated attemptshaving sent them the insurance policy over XXXX timesShellpoint Mortgage persists in maintaining this forced insurance, which exceeds the necessary coverage. 

My primary concern is that Shellpoint Mortgage may be exploiting this situation for financial gain, as they have yet to refund the imposed insurance charges, even after receiving documentation directly from the condo association confirming the accuracy and sufficiency of the XXXX XXXX XXXX. 

This issue has resulted in an undue financial burden on my part, as I am currently responsible for XXXX separate insurance policies : the condo master policy, a XXXX personal policy for the interior, and the Shellpoint forced policy. The annual cost of the Shellpoint policy is a staggering {$5000.00}. Regrettably, my attempts to resolve this matter directly with Shellpoint Mortgage have been unsuccessful for nearly a year. 

Additionally, I would like to bring to your attention that there have been several lawsuits settled with Shellpoint Mortgage on this same issue, indicating a recurring problem that requires immediate attention. 

I kindly request your office 's assistance in investigating this matter thoroughly and facilitating a resolution. The enclosed documentation provides evidence of my efforts to comply with Shellpoint 's requests and the XXXX XXXX 's affirmation of the XXXX XXXX XXXX 's correctness. 

Your intervention is crucial in securing a refund for the unjustly imposed forced insurance and addressing the potential financial misconduct by Shellpoint Mortgage. I am at a loss for further action and would greatly appreciate your guidance and support in rectifying this situation. 

Thank you for your attention to this matter. I am hopeful that your intervention will lead to a fair and timely resolution. 

I've also attached today 's request that was sent to Shellpoint. They have refused the documents for over a year.
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. (OH)

I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. Account : ( XXXX XXXX ) : ( XXXX ) Please remove this account from my credit report.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My info was bought and sold illegally, because i was a victim of the data breach for equafax, i want these items deleted from my credit report effective immediatly, i am attaching proof that equafax has admitted that is was in fact a victim of this data breach and has done nothing. Please help me delete these illegal accounts from my credit reports, i am sending all the names of the accounts and the account numbers. i am also attaching proof.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

My account was overdrawn and sent the account {$700.00} on XX/XX/XXXX from XXXX XXXX. U.S Bank is saying they didn't get the funds until XX/XX/XXXX at XXXX. They hit me with 3 seperate XXXX dollar fees. They say they can not do anything about the fees.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNIFOUR FINANCIAL SERVICES, LLC (NC)

This company is reporting a debt that is inaccurate the amount they are saying I owed is incorrect. The debt is beyond the legal amount of time to collect and should have been dropped from my credit report. This account was closed and the care was resold the reporting that is being reported does not reflect that. I have request it be removed on 3 separate occasions more and escalating actions are forthcoming.
Consumer complaint received 2024-03-27
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. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-12-20
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. (FL)

I was recently denied a business line of credit due to too many inquiries. After carefully reviewing my credit report for all bureaus I noticed MANY concerning inquiries on my report that I NEVER authorized and has to be someone using my information without my consent. Please help me get this matter handled at your earliest convenience. Thank you very much in advance.
Consumer complaint received 2023-08-07
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 2024-03-27
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. (RI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account number XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-03-27
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. (MI)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one bank received two direct deposits in the amount of total sum XXXX from FEMA as a direct deposit into my checking account. When I inquired about my account I had a hard time ID verifying through the means over the phone and was never given any adequate information about my account I was asked to go verify in person which I did twice with the first time being on the visit was told by an ambassador that everything was fine and then my account I would have access to the next day which I did not. The second time I went to do an ID verification process again I was told that out of the total amount of sum of money that was directly deposited by FEMA in my account was at {$3.00} standing and they did not have any more information for me except an investigation have been concluded and there's nothing more than you tell me and I couldn't even get an ATM card to access the XXXX dollars to my account. So that's I felt robbed a XXXX that I did not have access to then apparently was unauthorized it was never been given a proper access by me too due to all these inconveniences I'm responsible for these funds for they were giving to me by the federal government for my disaster relief wish they did not get to be used due to my non-access capability to my Capital One account and still have no access to this account but I'm told there's no information for me to be told
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Courtesy removal from credit bureaus account XXXX XXXX XXXX XXXX, I am asking for a courtesy removal of the account : XXXX The purpose of this account with you, that I paid in full, was to increase my credit profile and score and its having the opposite effect its hurting it. 

For that reason I am asking you to completely remove it from existence in all my credit bureaus its located on. 

Attached to this complaint is : - drivers license - social security card - address - written complaint Please have this removed as soon as possible.