davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (ID)

Please see our 3 previous complaints filed on this case, XXXX, XXXX, XXXX. After withdrawing from bankruptcy, we applied for a modification with Nationstar. We thought everything was worked out and that we could start making payments again. We left our home for the winter before Nationstar could get the modification paperwork to us. Even though the modification was not signed, we made payments as scheduled in XXXX, XXXX, XXXX, and XXXX of XXXX as well as XXXX of XXXX. When the paperwork finally reached us, we were in XXXX for the winter. We took the paperwork to a notary to sign it and have it notarized. The notary told us that he could not notarize it since the property was located in XXXX. We immediately called Nationstar and they told us that that was not a problem and that we could sign and notarize the paperwork when we returned to XXXX in the spring. In late XXXX XXXX Nationstar called us and told us that they would no longer accept our payments because the paperwork had not been signed and notarized. However, they kept the previous 5 payments we had made, a total of about {$5000.00}. As soon as we returned to XXXX, we contacted Nationstar in an effort to get the modification in place and resume payments. We have submitted the modification paperwork but have not heard back. Meanwhile a law firm, XXXX, sent us another modification application as well as a foreclosure notification. At this point, we are not even sure who we are to be dealing with. We assume that it is Nationstar. We expect to hear back from Nationstar within about 30 days on the modification. We need someone in your office to stick with us on this case until it is resolved. Every time we call Nationstar, which is often, we talk to a different person who has no idea what is going on in this case. If we could sit down in a room with a representative of Nationstar and an arbitrator we could solve this problem in 10 minutes. We want to keep our house but we are getting tired of fighting.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo (NY)

KOVO INC reported on XXXX to my credit profile a sales contract of XXXX, stating this was opened on XX/XX/23. I never opened nor authorized nor signed any agreement or contract for an installment loan. I never gave nor approved anyone to issue me any credit for this amount. This company charged me an amount of XXXX to my account for payment as an initial payment towards this loan. I never gave this company my credit card or bank information for payment. I want my money refunded and this account closed without any negativity to my credit report. Please have this account closed and removed from my credit profile. 
I called this company via phone call and emailed them with no response. They refuse to answer the phone at any time of the day.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Despite my repeated efforts, I would like to follow up to remove these fraudulent items persist on my credit report, adversely affecting my creditworthiness and financial standing. 

This continued failure to address the issue is unacceptable and has caused significant stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my financial well-being and to safeguard against potential identity theft or financial fraud. 

I implore that you review this information thoroughly and take decisive action to ensure the removal of these fraudulent items. I seek your intervention in resolving this matter promptly and satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX Balance Owed XXXX {$980.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX FIN XXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC 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 2024-04-11
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. (SC)

Despite my repeated efforts, I would like to follow up to remove these fraudulent items persist on my credit report, adversely affecting my creditworthiness and financial standing. 

This continued failure to address the issue is unacceptable and has caused significant stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my financial well-being and to safeguard against potential identity theft or financial fraud. 

I implore that you review this information thoroughly and take decisive action to ensure the removal of these fraudulent items. I seek your intervention in resolving this matter promptly and satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX Balance Owed XXXX {$980.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/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 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NY)

I would like to submit a complaint against the XXXX XXXX XXXX  XXXX dba Shellpoint Mortgage Servicing regarding their insincerity in communication with a customer and the delayed internal process which caused an actual loss of customers money. 

In late XXXX ( around XX/XX/XXXX ), I have sent a request via the companys website ( XXXX XXXX XXXX XXXX XXXX ) to figure out my loan closing ( payoff ) process. As I was preparing on the sales of my coop apartment and I knew my mortgage with XXXX XXXX has been transferred to XXXX XXXX XXXX recently ( XXXX ), I have reached out to them in advance and wanted to check the status of my original loan documents transfer in order to set the closing date. Like other coops, my coop also requires bringing two original documents ( Original Stock Certificate and Proprietary Lease ) which the mortgage bank currently holds at the closing. 
Even though the company says they will reply back within two business days, I never received an email or a phone call from them. I sent few more requests later and also emailed to XXXX but never received their response. When I reached out to them via phone call, I was able to talk with their representatives but they kept saying that they do not have any update on my documents I gave them my contact info so that I can talk with their supervisor ( XXXX XXXX ) but she also never called me or emailed me back. 
So its been one and half month since I contacted them and until now I have no update on my original documents so I am not able to set the closing date of my coop apartment sales. I was supposed to close on XX/XX/XXXX but it has been delayed till now only because of their delayed process. Every day, I am losing my money about {$76.00} for the mortgage and the maintenance fees. And also, my purchaser has to extend his 1-year lease agreement if we fail to close within this month. 

My mortgage loan has been transferred to XXXX XXXX XXXX on XXXX and 67 days ( 45 business days ) have passed since then. If XXXX XXXX XXXX can not find my original documents by today, they have to admit a loss of the documents. And they have to pay {$400.00} to obtain new original copies from the coop management. I am already losing {$1800.00} due to the companys delayed process so the companys immediate action is required.
Consumer complaint received 2023-04-21
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)

In spite of my having been promised by a finance company that it would no longer process applications from XXXX XXXX XXXX using my personal information, a finance company named XXXX XXXX XXXX XXXX of XXXX, Texas requested a consumer credit report anyway. 
And in spite of my having a Credit Report Freeze in place ( see attachment ), TransUnion released my Credit Report and Credit Score to XXXX XXXX XXXX XXXX ( see second attachment ). 
Previously, the same finance company listed above attempted to get my consumer credit report from a Sub-prime credit reporting bureau belonging to TransUnion or one of the other two Major credit reporting bureaus which I had not known existed so had not established credit report freezes and apparently the Major Credit Bureaus are not requiring that their Sub-prime credit reporting bureaus honor the freeze in place with them. 
The six sub-prime credit reporting bureaus are : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. And there is also a new fourth Major credit reporting bureau, Innovis. If this is published it is important that consumers are aware that there are now at least ten credit reporting bureaus they will need to set up credit report freezes with - no longer only the three major bureaus- XXXX, XXXX, and TransUnion. Consumers need to demand that the CFPB and its XXXX, XXXX XXXX, implement appropriate rules that address this tripling of credit reporting bureaus.
Consumer complaint received 2024-04-11
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)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) ] Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; On { XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) } you reported transactions from account XXXX to my consumer report. The XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) Deleted from my consumer reports effective immediately. Please refrain from suggesting validation or verification of this information, as my request is solely for the correction of inaccuracies and compliance with federal regulations. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-11
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. (OH)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) ] Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; On { XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) } you reported transactions from account XXXX to my consumer report. The XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) Deleted from my consumer reports effective immediately. Please refrain from suggesting validation or verification of this information, as my request is solely for the correction of inaccuracies and compliance with federal regulations. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Pursuant to 15 usc 1692g, you failed to properly validate the alleged debt and in addition to that I do not recall giving you my consent to contact my person, thus you are in violation of 15 usc 1692c ( a ). You are liable to pay {$1000.00} per violation pursuant to 15 usc 1692k.
Consumer complaint received 2024-04-11
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. (CA)

I am formally disputing and requesting the prompt removal of a fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent account. 

XXXX XXXX XXXX XXXX 

The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over five years.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc (CA)

Williams and Fudge Inc is attempting to collect an alleged debt on behalf of XXXX XXXX. Williams and Fudge Inc is a 3rd party debt collector. I have no written contract with Williams and Fudge nor any agreement with them to collect anything from me. I have never given written consent to Williams and Fudge Inc to have my personal information as this is identity theft. Williams and Fudge Inc are not legally licensed to even collect in the state of California per the NMLS consumer access site so not only are they illegally attempting to collect an alleged debt, but they are also illegally practicing without a license in California. They have reported this account on my credit reports without my written consent as well which is also illegal.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous attempt to notify you that I am a victim of identity theft and that I wish to inquire about specific entries in my documents that have resulted from the crime. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
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 2023-03-23
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that these accounts were 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 XXXXXXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2024-04-11
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)

Despite providing substantial evidence of the fraudulent nature of these items and diligently following the required procedures outlined by your agency, they persist, causing significant harm to my creditworthiness and financial standing. 

I initially disputed the fraudulent items and have since followed up today. Despite my persistent efforts, the fraudulent items remain unresolved, casting doubt on the accuracy and integrity of my credit report and impeding my ability to access credit and financial services. 

I demand immediate action to thoroughly investigate the fraudulent items and expedite their removal from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX