davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Consumer Finance Complaint On XXXX XXXX, XXXX my husband, my brother and I closed escrow on a home purchase. The initial loan had all of our names on it but when it sold the new lender dropped my brother 's name from the loan. It was n't until XXXX XXXX when he ran his credit did he notice the home loan was not on his report. I started the first of many unsuccessful attempts to reach someone from Nationstar Mortgage who could help in XXXX XXXX. 
The first experience was speaking with a customer service rep who noted my concern and said I 'd have a written response in two weeks. The response I received was a letter explaining our loan was not assumable. 
The second experience was with a representative contacting me from Nationstar 's social media department after I gave them a bad rating. XXXX XXXX asked me to send the original settlement statement, which I did. He was going to forward it to another department and I never heard another thing, neither did he respond to my follow up inquiry in XXXX XXXX.
Consumer complaint received 2024-01-08
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: FC HoldCo LLC (FL)

XXXX XXXX  XX/XX/2023 FLAGSHIPCRDT- XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 FLAGSHIP CREDIT ACCE- XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it XXXX have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

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.
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. (TX)

I recently disputed a few items on my credit report in XXXX. It appears my entire report was deleted, which violates FCRA Section 602 ( b ) requiring accurate information. In a letter dated XX/XX/2024, I informed Equifax of this mishap but my most recent report still shows that everything has been wiped away even my name. 

Please rectify the disputed items and reincorporate my positive payment history with the following creditors ( attached is proof of my credit report ). Please see the items being reported to XXXX and XXXX and add the accounts back to my credit report including my personal information such as my name, address, and dob. I have included my credit report and identification for your reference. The items that are to be added back are listed below : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXXDEPT OF ED XXXX XXXX. XXXXDEPT OF ED XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX 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 I expect a resolution within 30 days.
Consumer complaint received 2018-08-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2018 I sent up a payment for {$63.00} to be paid on XX/XX/2018 and Bank of America took two payments from my XXXX XXXX XXXX   Account for {$63.00} and {$170.00} on the same day. I called to speak with a supervisor and asked that the payment for {$170.00} be returned back to my XXXX XXXX XXXX   account because I did not authorize for two payments to be taken out of my account. I had already calculated my transactions and by Bank of America taking an extra payment out of my account of {$170.00} it would cause my account to be overdrawn and {$96.00} worth of fees to be assessed to my account. The representative told me that they could not void the second transaction but I could go into a Bank of America branch to open up a new checking account and they would see if they could return the funds to a Bank of America checking account. I did not want to open up an account with Bank of America because in the past they promised to take care of their error with processing a payment a few years ago and failed to address their error then reported that I did not make my payment and closed the credit card account which subsequently impacted my credit score and credit file. 

When I set up my payment for {$63.00} no other payments was pending on the mobile app. The representative told me that I should not be using the mobile app to view prior scheduled payments but the desktop. I did not know that I could not rely on the mobile app because that's all I had been relying on in the last 6 months and it was not an issue to my knowledge. In all I had to go to XXXX XXXX XXXX to complete a REG E claim to have the {$170.00} disputed and to date I have incurred {$96.00} with XXXX XXXX XXXX   and {$82.00} worth of fees with Bank of America because the representative and her supervisor would not cancel out the second payment that was not showing in the mobile app of their system. 

Additionally Bank of America has  recently reported that I did not make my XX/XX/2018, XX/XX/2018 and XX/XX/2018 because of their error. I have proof that these payments and the additional payment that came out of my XXXX XXXX XXXX   checking account. Even after the Bank of America staff made an error a few years ago with failing to process my payment and closing down the account, I still have been faithfully paying the account. However, they have not been reporting my payments to the credit bureau as they promised. I need for the Consumer Financial Protection Bureau to launch an investigation against Bank of America because I have asked to speak with the Escalation Team within the Office of the President and the representatives refused to escalate my call. And their staff refuses to correct all their errors.
Consumer complaint received 2023-05-04
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. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 an 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 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (GA)

NationStar, the mortgage company that services my mortgage regularly solicits me to refinance my mortgage even though I refinanced about a year and a half ago, and am satisfied with my rate and payment term. I also regularly receive solicitations from them through the mail. I despise the use of phone solicitations and feel it is an invasion of my privacy. It is also a disservice to me as a customer to continue to ask me about refinancing when I have a strong deal already. All refinancing options have thousands of dollars in cost to the borrower financed or otherwise. It is not my best interests you are after and it makes me feel sad for your phone reps reading a terribly awkward script. Congrats on emerging from the mortgage crisis as a major mortgage servicing company. If I had my choice, my mortgage would stay with the company I originated it with and then I could deal with local people I know and who actually care about my financial well-being.
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX my personal info, has violated my rights. 

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
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I contacted Nationstar mortgage about refinancing my home. After they gather all information from. Right the appraisal they ask me for large sum of amount of money. when i did my research from legit site which my local assessor, XXXX, property shark. I 'm seeing that they are not treating me fairly based on the comparable of the home which I 'm going to send you information. as well I email the loan specialist many time for the appraisal to re look at the value. every time he comes back tell me a different story so i would like to get to the bottom of the real truth which I already know. it is about money not fairness of the law.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

Requested Covid refund XXXX XXXX. I can not consolidate until refund is received. Its been 5 months!!! 
WHERE IS IT?? 
WHEN WILL BALANCE DUE REFLECT REFUND?? 
How can I contact treasury dept regarding refund? I keep asking these why and NELNET keeps skating around the questions!! I NEED ANSWERS?!? SHERE IS MY MONEY?? Its been 5 months since requesting this refund?? IS THIS A SCAM? I can not consolidate until I receive this refund?!? NELNET IS TAKING ADVANTAGE OF ME ZND THE SITUATION! Where is my refund?????
Consumer complaint received 2024-04-11
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. (RI)

Dear Credit Reporting Agencies, In my previous complaint I requested to have this account removed and you denied in dishonor. Please see attached 1099-C showing the cancellation of debt for XXXX loan account XXXX by a Federal Government Agency . This form has been filed and accepted by the Internal Revenue Service. This is considered receipt of payment and you are now required to rectify the status account in good faith. 

Please update this account on my credit report to paid in full.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, 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. (IL)

In accordance with federal credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 in addition to a violation of my privacy reporting without my written instructions violate my rights under 15 usc 1681 section 602, 15 usc 1681 section 604, 15 usc 1681 c a 5 and 1681s-2a1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I am writing because my mortgage problems began when Covid started. I worked for the same company for 20 years and as other companies experienced work slow drop down dramatically or completely stopped. Ours didnt stop but it did slow down dramatically. I took advantage of the forbearance that my mortgage company Select Portfolio Servicing was offering to not have to make payments because of hours cut or loss loss of wages, In XX/XX/2020 I was involved in an auto accident with a company vehicle that someone got injured and died. This was an unintentional accident. I lost my job of 20 years and I contacted select portfolio telling them I had needed to continue the forbearance. It was continued until the forbearance ran out. I have been unable to obtain work because of this accident due to several court appearances meeting with my lawyers, etc. I contacted select portfolio servicing and they have not been of any help at all. In the last three months. Ive talked to eight different relationship managers -- -the relationship manager that was assigned to my account has never contacted me. Ive left numerous messages-Ive sent emails Ive sent along with documentation that has both my number and my mothers telephone number.. Finally I talked to a gentleman named XXXX, one of the eight relationship managers. He told me that the relationship manager had documented that she tried calling several times when asked what number she was calling XXXX gave a number that I have not had since the accident happened- if my relationship manager was reading my documentation and listening to my messages she wouldve found that I had a new number and I also authorized my mother to be called about anything, to be given any information, but nothing was ever done now my house is in foreclosure, It was supposed to go on the sheriffs block on the XX/XX/XXXX. I got it moved to XXXX and now because XXXX having other agencies involved now - XXXX and XXXX XXXX XXXX XXXX XXXX I got select portfolio to move to XX/XX/XXXX but theres still no definition of what theyre going to offer as a payment structure. I am being incarcerated in XXXX because of this accident and I want my children to have a home to continue living in, and I have given my mother all the authorization that is needed. in talking with one of the relationship managers, Ive been told they have had a large turnover and a lot of the relationship. Managers are not fully knowledgeable of what to do it issad that some of them dont even try to help they just say Im transferring you Its really sad for such a big business such as select portfolio servicing to have unqualified people especially when its regarding somebodys home being taken away from them
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

HOW ARE YOU? How r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Account is supposed to show paid charge off as of XX/XX/2022. It was fixed about two months ago, but it came back listing incorrectly as a charge off. This is the third time I'm making a complaint to update the account properly. It's really dinging my credit reports. 

Update accordingly.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.