davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I am filling a complaint with our mortgage company on a residential investment property that we purchase in XXXX, the name of our mortgage company is Mr. Cooper Mortgage, and in wish a few months ago had a name change, from Nationstar MortgageXXXX XXXX To, Mr. Cooper Mortgage. 
The problem is that Mr. Cooper Mortgage ( Nationstar Mortgage ) have refused to comply with the court order from our chapter XXXX bankruptcy that was filed on XXXX XXXX, it was confirmed on XXXX/XXXX/XXXX, it was Discharged on XXXX/XXXX/XXXX, and it was closed on XXXX/XXXX/XXXX. The court order for Nationstar Mortgage was confirmed at XXXX at 5.25 % interest rate for a amortized 30 year loan with the first payment beginning on, XXXX/XXXX/XXXX. Prior to our Bankruptcy being close and the reason our case took an extra year to close was because on XXXX/XXXX/XXXX Nationstar Mortgage sent us a preliminary notice of foreclosure stating that we were {$9100.00} in default, with an unpaid balance of, {$150000.00}, we filed sanctions against Nationstar Mortgage for failing to comply with the court confirmation order, and to properly apply our mortgage payments to the loan. 
On XXXX/XXXX/XXXX we filed sanctions against Nationstar Mortgage, on XXXX/XXXX/XXXX we reached, and signed a Settlement Agreement with Nationstar Mortgage, moreover Nationstar Mortgage paid out {$7000.00} toward our attorney fees, and we paid our mortgage co. ( Nationstar Mortgage ) {$3000.00} to bring our mortgage loan current. On XXXX/XXXX/XXXX the sanctions were dismissed because both parties had resolved our issues according to the Settlement Agreement. Soon afterwards our bankruptcy case was  finally closed on XXXX/XXXX/XXXX. 
From the date we closed our BK case till now XXXX/XXXX/XXXX Nationstar Mortgage, same as Mr. Cooper Mortgage has not corrected our mortgage loan, they have not send us any mortgage monthly statements, Mr. Cooper mortgage ( Nationstar mortgage ) has refused to comply with the court order, and our Settlement Agreement. 
I have contacted their customer service call center, and bankruptcy lost mitigation department every month, and several months every week, and twice per month in trying to get this mortgage company to get their accounting corrected. For the past 3 months they claim that it is in review for the cramp down, and settlement agreement, but they have had over 15 months since our BK was closed to correct our loan accounting, and to send us a monthly mortgage statement.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (UT)

I am filing this complaint against Citibank regarding an unauthorized charge on my account. A merchant enrolled me in autopay without my explicit consent and subsequently charged my card without my knowledge. This charge is fraudulent, as I did not authorize the autopay enrollment or the subsequent transaction. 

I have contacted Citibanks Executive Response Unit and requested a reversal of the charge, waiver of associated interest and fees, and written confirmation of the resolution. However, I have not yet received a satisfactory response. Attached are the email from the merchant notifying me of the autopay enrollment, my communication with Citibank, and proof of the unauthorized charge on my account statement.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1960 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-06-26
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 HAVE FILED A FTC IDENITY THEFT REPORT FOR THIS THE FOLLOWING INQUIRIES WHERE NOT AUTHORIZED BY ME. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (IL)

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 : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX 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.
Consumer complaint received 2023-09-18
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)

This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX sent information to all three credit companies for the consolidation of the student loan. XXXX and XXXX stated they did not received this information. Student accounts are still showing as separate loans. For XXXX the credit score dropped XXXX pints on XX/XX/XXXX. No information on my credit have changed. The student loans are current and on time. A XXXX account and a XXXX XXXX account have been removed from XXXX and the score went up XXXX point for each account removal due to fraud. Experian also stated that they do not received the student loan update information in XXXX. I will be moving forward with submitting documents to move forward with a law suit on all theee bureaus due to Harassment misuse of the credit reporting or XXXX handling of the credit reporting I have been lied to several times by all three bureaus. They have withheld information stating they did not received information from companies that would be positive reports. I am suing for discrimination harassment stress and defamation of character and loss of financial gain.
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (SC)

We have a Buisness Loan with Wells Fargo ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). During XXXX we were not required to pay on the this loan for several months. This Buisness Loan is under XXXX XXXX XXXX XXXX XXXX XXXX The loan matured on XXXXXXXX There was a remaining principle ammount of {$20000.00}. There were funds in the account to make the monthly payment but, Wells Fargo did not take it. I had been to my local Wells Fargo Bank in XXXX every week since this occurred. The local Wells Fargo Bank ( POC : XXXX XXXX. XXXX ) intially filed a complaint ( XXXX XXXXXXXX ). After a week I got a call from XXXX XXXX in the resolution department for Wells Fargo ( XXXX ; Complaint XXXX XXXXXXXX ). We were told that that our relationship manager would have to make a Loan Modification or extension. This would come from a Commercial loan Representative because, the loan was a Commercial loan. I was instructed to return to my local Wells Fargo Bank. This time the Bank branch manager got me two points of contact in the main office ; XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ). I waited 3 days as requested and began to call weekly. All I got was voicemail with XXXX XXXX. No one every has called back. I went back to my local Wells Fargo Bank and asked what to do. This went on for a month. 
Finally, I got a call from XXXX XXXX ( Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Telephone : XXXX Fax : XXXX. 
He took care of everyone but, I had to pay {$2000.00} as a code XXXX interest payment. We were told our mortgage had been extended/modified until XX/XX/2023. We made the requested payments. We were given doxumentation in writing that there was no fee for modification, no penalty & the paymenrs would remain the same. 
We just found out that Wells Fargo charged us 10 % per month or 120 % per year for not making our mortgage payments. This is extremely unfair if not ridiculous. It took a month for me going to the bank almost every wekk to get them to recoginize there was an issue.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not authorized
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd ()

My Wise account was deactivated on XX/XX/XXXX and I had no chance to appeal ( I could not even log in my account anymore ), though I am a legit user and I did not violate any terms and conditions. I want to send this to Wise team but I do not know how to send them. 

Hi Wise team ; I read carefully your Terms of Services and I really don't know how I violate the terms. 
I submited an appeal again and also I want to provide additional information as the followings : I am a legit individual seller on multiple gaming marketplace websites. 

XXXX. Money into my WISE account : Nearly 100 % of my money inflow is from my revenues from marketplaces websites : - Playerauctions.com : I withdraw my balance from XXXX directly into my Wise account - XXXX XXXX I withdraw my balance from XXXX directly into my Wise account - XXXX : I withdraw my XXXX balance money into my XXXX  account ( because no Wise option on XXXX ) and then to WISE account XXXX. Money out from my WISE account : I use my WISE account balance to : ( XXXX ) Pay my suppliers ( who also accept WISE ) ( XXXX ) Exchange USD from my WISE to other currencies ( also to pay my suppliers ) on some XXXX exchange website ( mostly I use XXXX ) : XXXX XXXX ( my local currency ), XXXX Please review my case and help to unlock my account as soon as possible so my business can continue. If you require any additional evedences, please let me know. 

Thanks.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Informative Research (IL)

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for XXXX XXXX XXXX, XXXX Social Security number is XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX Informative Research XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (UT)

The debt buyer LVNV funding has charged an additional {$1.00} every month on top of the original high credit amount of {$790.00}. I am unsure of the exact start date, but it would appear to begin in XX/XX/XXXX with the current amount the debt buyer is stating owed to the creditor being {$1000.00}. The debt buyer has also falsely reported to credit bureaus the consumer had disputed the debt every month to change the last activity date on the account to keep it appearing as current and provide a comment to credit reporting agencies regarding collection accounts. The debt buyer contacted the consumer on their mobile phone in XXXX and advised when the consumer requested validation of debt that " we '' were passed providing the validation of the debt while yelling and trying to intimidate the consumer with volatile language and using the tactic of yelling over consumer not allowing for any questioning or clarification. The collection is reporting to all three credit bureaus as an account listed as " other type '' and continuing to falsely report consumer disputes monthly as well as continuing to add {$1.00} to the original amount every month constantly increasing the balance and past due amount.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$17000.00}.
Consumer complaint received 2024-07-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCF Intermediate Holdings LLC (TX)

XXXX XXXX XXXX keeps changing the date of this loan they say I made. I do not owe this debt. I ask for proof my signature something to prove this is a valid loan they say i got online. I am on social security why would i take a loan out. I even ask the credit bureau they keep saying its validated but i never get a copy.
Consumer complaint received 2024-07-25
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (CT)

This is a very old debt from 2014 it says on the email they sent.. Ive dispute of my credit report from I believe the XXXX XXXX company years ago. The original company was XXXX and I think the phone line was suppose to be purchased from another company and it didn't go through. And somehow TrueAccord Corp now has it. And because I've disputed this once with the other company I'm contacting you all ; before this goes any further, and somehow ends up back on my credit report. Im unsure of how they even got my email address. And they still have the address listed from when I switched lines.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Dear XXXX, XXXX, and Experian, I hope this message finds you well. I am writing to follow up on previous disputes I've submitted regarding inaccurate information on my credit report. Enclosed are copies of the letters sent for your reference.

I previously submitted disputes for several items on my credit report that I believe to be inaccurate. These disputes were submitted to you over 60 days ago, outlining specific accounts and detailing the violations of my consumer rights due to inaccurate reporting.

Despite the stipulated period under the Fair Credit Reporting Act ( FCRA ) requiring an investigation and response within 30 days, I have not received any communication or resolution regarding these disputes.

As a consumer, I am concerned about the accuracy and fairness of my credit report. The lack of response is causing undue distress and affecting my financial well-being.

I kindly request an immediate and thorough investigation into the disputes I've raised. It's essential to rectify these inaccuracies promptly to ensure the integrity of my credit report.

I urge you to provide a detailed update on the status of these disputes and a resolution plan at your earliest convenience. Your prompt attention to this matter is greatly appreciated. 

Thank you for your immediate action on this pressing issue.
Consumer complaint received 2022-10-18
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. (TX)

Equifax has dumped tons of fraudulent accounts on my credit reports and these accounts were moved years ago and all them were placed back on them the same time time same month in middle the summers I have been sending documents and police reports and FTC reports at my own expense and Im seeking legal actions with this bureau they never fixed my credit reports and hanging up my phone calls and didnt remove any bad accounts off my credit reports
Consumer complaint received 2018-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

please see # XXXX : Mr.Cooper responded to every complaint with similar resolutions with the exception of the attached complaint #. Please confirm if this property located in XXXX is part of a flood disaster or not? This is not " potential '' Hurricane Harvey ( 2017 ), This disaster happened in the XXXX area with disastrous flooding. While Mr. Cooper has not responded to us in this respect, we shall continue to look for help elsewhere. Furthermore, the lastest response addressed the company could not substantiate claims that we were told our payment would be less than the trial payments. If all calls or monitored as indicated, please review calls I made to speak with a Mr. Cooper representative. Although, ( it was Nations Star at the time, I made a call to Nation Star questioning the trial payments, this call would have been during the time we learn of the first trial payment.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX