davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Good Morning, My name is XXXX XXXX. My family applied for the hardest hit fund in Michigan due to a loss of my husband 's 15 year job. We were approved, however when my Michigan Hardest Hit fund case manager contacted Mr. Cooper on XX/XX/XXXX to pay our past due balance, Mr. Cooper refused to take payment until I attempted to modify my loan through them. We are not in bankruptcy. I filled out a Mr. Cooper modification request and over the course of a month submitted all documents. My Mr. Cooper 's modification was denied with no options for assistance. We started this process back in XX/XX/XXXX when were two payments behind. 

Now we are at risk of losing our home. Can you please help us? We ca n't afford an attorney, and my husband now has a good job, and we really want to stay in our home. I am grateful for the Hardest Hit Fund program, and do not take assistance for granted. 

I just do n't understand why Mr. Cooper refused to accept the hardest hit fund payment. 

Thanks so much for your time, XXXX XXXX XXXX Mr. Cooper Acct # XXXX Hardest Hit Fund ( Step ForwardCase Number # XXXX ) Advisor who spoke with Mr. Cooper XXXX XXXX- XXXX- XXXX
Consumer complaint received 2018-01-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I would like to report a violation of the Truth-In-Lending-Act by my mortgage loan servicer as follows : On XX/XX/XXXX I purchased my home with a mortgage loan from XXXX XXXX XXXX. At the closing, I signed the truth-in-lending disclosure statement which disclosed the monthly amount of the principal and monthly amount of mortgage insurance premium ( Varying from {$5.00} to {$4.00} monthly throughXX/XX/XXXX ). I  began paying the monthly principal amount plus the indicated MIP amount ( {$5.00} to {$4.00} in XX/XX/XXXX ). 

On XX/XX/XXXX the servicing of my loan was transferred to Nationstar ( now " Mr. Cooper '' ). I began getting charged the monthly principal amount plus {$64.00} for MIP, which did not match the MIP disclosed to me on my truth-in-lending disclosure statement. ( The truth-in-lending statement clearly states that my monthly payment amount includes the monthly MIP. ) In XX/XX/XXXX, my escrow account underwent its annual review, and I contacted Nationstar in XX/XX/XXXX to notify them of the discrepancy between the MIP amount I was being charged monthly and the amount MIP disclosed to me on my truth-in-lending disclosure statement. They corrected the discrepancy from XX/XX/XXXX through XX/XX/XXXX by crediting my escrow account each month with the difference between the two amounts. In XX/XX/XXXX, Nationstar stopped crediting my escrow account with the difference, and I began getting charged {$61.00} per month for MIP. 

In XX/XX/XXXX my escrow account underwent its annual review, and I contacted Nationstar in XX/XX/XXXX to notify them of the discrepancy between the MIP amount I was began charged monthly starting in XX/XX/XXXX and the amount disclosed to me on my truth-in-lending disclosure statement. I was advised to contact FHA directly. FHA then advised me to submit a complaint with the CFPB to report a violation of the Truth-In-Lending-Act.
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Please Delete the following fraudulent accounts that's attached to this Identity Theft affidavit I am a victim of identity theft and has reported it to the federal trade commission, according to the FCRA 15 USC 1591inaccurate Information can not be reported on my credit file. Please delete the Fraudulent accounts as soon as possible to correct my credit report. 
Account Name : XXXX Account Number : XXXX Balance : {$2500.00} Dated open:XXXX
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On Friday, XX/XX/year>, I was shopping at XXXX when I tried to pay for my item, I was surprised to find that my Bank of America credit card ( BOACC ) was declined. I tried the second time with no success. So, I paid for the items that I purchased with a different card. The next day, I received a prompt from my Apple Pay saying that I needed to remove the BOACC from its platform. I thought a mistake had occurred. I called BOACC customer service on Saturday XX/XX/year>. They did not give me any reason for the issue except that I needed to call the collection department on Monday. On Monday XX/XX/year>, I called BOACC and was transferred to the collection department and asked why my account in the collection is even though I had never missed a payment and my balance of BOACC was {$100.00} out of a credit limit of {$3000.00} by which I paid it right away thinking that was the issue even though no payment was due. The customer service employee did not know what the issue was and told me that my account was and is in good standing she did not know why my account was closed except that I needed to talk to the Risk department and then she said if anybody told you about the closure of the account, I replied that no one from BOACC reached out to me. She apologized and told me that she would file a complaint on my behalf. The following day, I received an email thanking me for the payment of {$100.00}. As of this filing, no one called me about the closure of my account. 
FYI : CC account # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
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)

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.

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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately onmy credit report and it is in violation of The Federal Law. This is in Violation under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Here are the following accounts : -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-04-27
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. (OH)

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately onmy credit report and it is in violation of The Federal Law. This is in Violation under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Here are the following accounts : -XXXX XXXX XXXX # XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

It's necessary to adhere to FCRA 605B by eliminating incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} per incorrect entry on my credit file is expected.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine... I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in your company 's name. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we request deletion ( s ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (SC)

I was reviewing my credit report, and I found several errors. Any reporting of this matter to credit reporting agencies is a violation of my rights per 15 US Code 1681b ( a ) ( 2 ) and 15 US Code 1692e as I did not authorize you to report and reporting such negative information about me is a defamation of character.

Please delete as these alleged hard, soft or promotional inquires we not authorized by myself, which means that these inquires ( again hard, soft, promotional ) or otherwise are fraudulent per 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) under transitions not initiated by consumer, I ask that you please permanently delete these inquires listed. 

XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Likewise, these ALLEGED MEDICAL/COLLECTION ACCOUNTS delinquency and or the derogatory claim ( s ) of information below listed is, as reported, erroneous account is direct violation of 15 USC 1681 Reporting Incorrectly. 

XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Also on my there are two ( 2 ) identical accounts numbers with different balances which is not right. Please delete this accounts. 
XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

Consistency in paying on time is my motto. I'm firm about it. Yet, I'm bewildered by the occasional tardiness in the company 's reporting, which shouldn't be the case. USC 1666b mandates that any billing errors must be rectified promptly and reflected correctly in the payment records.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

We use Capital One for Checking and Savings and utilize their bill payer function to make payments. On XX/XX/2024 we used the bill payer to make a payment of {$350.00} to what we thought was a XXXX credit card account but was in fact a XXXX XXXXXXXX XXXX  account that has been closed for some time ( by accident ). When we realized the error we began contacting both banks to try and recoup the erroneous payment amount. Both banks claimed contacting the other was the proper method for resolving the issue. Our XXXXXXXX XXXX XXXX account has been closed/paid in full for some time ( years ) and there was no payment due to them. Capital One claims they transferred the {$350.00} to XXXX and XXXX has the funds. XXXX claims their policy is to not accept payments for closed/paid in full accounts and that they refused the payment which should have returned it to Capital One/us. Somewhere between these two banks is a payment made in error for {$350.00} and neither is really helping us resolve the situation by having the {$350.00} returned to us. I have spent hours on the phone with each and am my wits end hence why I am seeking help from CFPB to see if they can prompt something from either bank. Capital One claims it was sent, XXXX claims they would reject it/not accept it for a closed account. We filed a dispute with Capital One and they say because the money was sent there is no dispute yet XXXX says they never received nor have the money. One or both of them are not interested in actually investigating and seem content on the money having been deducted from our account.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

I could not obtain my free annual credit report online because Equifax was unable to sufficiently match the identifying information I provided with the information it has on file. Therefore, on XX/XX/2020 I mailed my written request along with identity documentation to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. Equifax failed to respond to my request. On XX/XX/2020 I mailed a second written request to Equifax with reference to the first. However, Equifax also failed to respond to my second request. After multiple requests Equifax failed to provide my consumer credit report in violation of my rights as secured by section 612 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (SC)

This account has been reported to the consumer reporting agencies inaccurately and incorrectly. 

This account is income that is reported on my tax return and is an invasion of my privacy and has no business being reported. 

According to the IRS PUBLICATION 4681 charge offs and written off debt is a canceled debt and must be reported as gross or ordinary income on the tax return as 1099-c.

The law states 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted this company given them NOTICE that this information is incorrect and inaccurate and shall be deleted with no reinsertion. 

They refuse delete the income reported to the consumer reporting agencies XXXX and XXXX. 

I have attached the IRs publication that proofs this account is income and it shall be DELETED IMMEDIATELY WITH NO REINSERTION OF MY INCOME
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XX/XX/XXXX I called XXXX XXXX XXXX and asked them if they could set up an impound account for the property taxes only. I asked them to pay the delinquent taxes before the default date of XX/XX/XXXX. They sent me a proposed contract which I did not sign because it increased my monthly payment by {$1700.00}. I called XXXX XXXX County Treasurer and Tax Collector ( XXXX ) on XX/XX/XXXX and they said the 2nd installment had not been paid. I sent a check that day. I called Nationstar and told them I had not signed the impound account proposal and had paid the taxes myself. She told me that if I did not sign, then there would be no impound account. 

Apparently Nationstar did send a payment to XXXX, and it arrived before my payment. I sent a check for {$3800.00} to Nationstar on XX/XX/XXXX noting that it was for reimbursement of it 's payment to XXXX. After some delay they finally applied it as a repayment. 

The problem is they are saying that the DOT alows them to impose unilaterally, an impound account. They are mistaken. The federal law in the cited in the DOT is superseded by CA state law. That law requires 2 consecutive tax payment to be delinquent. This did not happen. 

I engaged an attorney to advise me on the law. I do not want to sue for damages, but XXXX XXXX XXXX d/b/a Mr. Cooper will not respond by phone or letter. They do continue to threaten me with foreclosure and even sent a XXXX XXXX property inspector to our door. He had been told by Mr. Cooper that the property was unoccupied. I do n't even have a XXXX XXXX loan!! 

This brings up the question of, why are they are trying to force me into an impound account. My attorney thinks it may be part of a larger plan to force other mortgages they are servicing into impound accounts. This makes sense since they are trying to collect way more funds than is necessary to pay the taxes.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted XXXX XXXX on XX/XX/2023 to get this account taken off of my credit as an authorized user, they could not find said account. With all info provided by Experian to me. Along with not finding account, the balance is showing a credit line of XXXX, while Experian for XXXX XXXX XXXX shows XXXX. This is incorrect all of other credit bureaus have a balances showing limit XXXX. Please delete this account immediately.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (SC)

This account has been reported to the consumer reporting agencies inaccurately and incorrectly. 

This account is income that is reported on my tax return and is an invasion of my privacy and has no business being reported. 

According to the IRS PUBLICATION 4681  charge offs and written off debt is a canceled debt and must be reported as gross or ordinary income on the tax return as 1099-c.

The law states 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have contacted this company given them NOTICE that this information is incorrect and inaccurate and shall be deleted with no reinsertion. 

They refuse delete the income reported to the consumer reporting agencies XXXX and XXXX. 

I have attached the IRs publication that proofs this account is income and it shall be DELETED IMMEDIATELY WITH NO REINSERTION OF MY INCOME