davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MA)

My home owners insurance was escrowed in my mortgage payment. The mortgage servicing company was XXXX for approximately 10 month and they renamed themselves recently to Newrez llc dba Shellpoint Mortgage Services. During this transition they sent numerous communications that the transition would be seamless and I would not have to take any different actions than paying my mortgage to the new entity. 
However, they failed to pay my home owners on time and the insurance company, XXXX, dropped me and will not write a new policy. As I have tried to figure out what happened Shellpoint is pointing to the insurance broker, XXXX XXXX. And the insurance broker is pointing back at Shellpoint and me. 
All I know is ; Shellpoint assured me nothing would change in their transition, I have lost insurance I had, I was able to get 1 quote which is {$1000.00} higher than my previous insurance. 3 insurers declined to offer coverage. I am paying Shellpoint for some sort of gap coverage which they have not told me what it will cost, but it is just temporary insurance and I believe they said the rate is high. 
What I would like is for Shellpoint to compensate me for the gap insurance and the higher premium I will be paying going forward.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I made a request to Nationstar Mortgage to cancel the ongoing private mortgage insurance. A few weeks after a home inspection by an authorized Nationstar approved appraiser, I received a form letter with a reason checked off that my mortgage balance had not reached a qualifying percentage of the " Original Value '' meaning the contract sales price of the property. I called the phone number associated with the appropriate department at Nationstar and was told that the correct percentage is not computed on the home 's contract sales price but on the amount financed through the mortgage. I believe this to be incorrect and attempted to explain my views to no avail. What is the correct way to calculate a balance subject to the PMI? The contract purchase price of the home was {$400000.00} with the remaining balance of approximately {$280000.00}.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I applied for a loan to buy ticket some time ago. I had 2 loans with this company and then it came to a time that I had to leave and visit my family back home in another country. Before leaving i made sure everything was paid. Unfortunately, I didn't know that the balance of XXXX XXXX left on this account was not paid before leaving. Whiles away, I never got an email or text message about any balance reminder or such. I got back only to find out that I owe XXXX XXXX on my credit file and so I went ahead and paid the balance. I have tried several times to contact XXXX to make the necessary correction on my credit file since I have made that payment but failed in contacting them. The number on their website is ( XXXX ) but it just a voice prompt and never transfer you to an actual agent to talk to. I also went ahead to file a dispute with Equifax but up till now no change or any information has gotten back to me.
Consumer complaint received 2023-11-24
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. (CT)

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CA)

There was a credit account opened in my name without my permission or consent. It appears this is the second time this has happened. I live in XXXX XXXX and someone at my previous address has my information and is using it to open credit accounts.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federal law to verify - through physical verification of the original accounting records and signed consumer contract any and all accounts you post someone's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email you fraudulent account information.

Therefore, I'm demanding to receive verifiable proof of the ( original accounting records & signed contract ) for the files of the accounts listed below. Your failure to positively verify the accounts has hurt my ability to obtain credit cards, a property rental, car loans, home loans, pass employment credit checks, utilities, etc. along with getting other basic livelihood necessities. 
Under the FCRA, unverified accounts that are not 100 % accurate must be deleted and removed.

Also, these negative accounts below may either be inaccurate, old, inaccurate data between bureaus, not updated, paid in full, paid, closed, paid out by insurance, double dipping collectors, charged off/written off taxes, settled, inaccurate addresses, {$0.00} collections open balances, permanent disabilities act discharge, identity theft, for profit school fraud loan discharge, fraudulent submissions by loan or collection companies, inaccurate phone numbers, inaccurate name spellings, etc.

Under the FCRA, unverified, fraudulent, invalid accounts must be removed and deleted. If you are unable to provide me with a copy of the verifiable and validated proof that you have on file within a 30-day calendar days from receiving this notice for the account listed then you must remove and delete the account from ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) credit reports. I demand the following negative accounts be verified or permanently deleted immediately. The law is very clear on the available remedy to me for violating Section. 617. Civil liability for negligent noncompliance, if you fail to comply with federal law.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I was taken by surprise to learn that I was a victim of the ( XXXX Equifax XXXX XXXX ) and was encouraged to obtain my annual credit report from all three XXXX Credit Bureaus and identity any inaccuracies or fraudulent information that's keeping my credit score from progressing in the right direction to Open a Mortgage, upon review I was taken by surprise learn of I am a victim of fraud ... Credit Card Accounts and Numerous Unauthorized Hard Inquiries. Credit Card Accounts are listed below... 

XXXX : XXXX Equifax XXXX Account # : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$500.00} {$500.00} {$500.00XXXX XXXX XXXX  : XXXX. XXXX Account # : XXXX XXXX Date Opened : XX/XX/XXXX. XX/XX/XXXX Balance : {$510.00}. {$510.00} These are not my accounts! I filled disputes with each of the three Credit Bureaus and also I contacted the Original Creditors and requested Debt Validation Letters and a Copy of the Original Application/Contract specifically bearing my Signature Consenting to obtain Credit and Permission to Furnish information on my Consumer Report I have not been provided requested information...
Consumer complaint received 2023-04-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Phoenix Financial Services LLC (IL)

I was alerted that my credit score ( by XXXX ) had been reduced and went to the site to see why. I saw that I had been placed in collections- for an ambulance bill dating back to approximately XXXX. I got the information and call the agency that had placed me into collections ; it was Phoenix Financial Services contacting me in response to an ambulance bill from XXXX XXXX XXXX. I called them and asked why I was in collections. They stated that it had to do with an ambulance bill that I had incurred while living in XXXX I explained to them that any and all medical bills, from that period, were and have been paid for/covered by XXXX XXXXXXXX XXXX XXXX as I had began receiving SSI and they covered all of my medical bills. I later moved to XXXX. As I spoke with the representatives, their only concerns appeared to be 1 ) getting my current address and 2 ) arranging for some type of payment arrangement. I let them know that I had never received any communications from XXXX XXXX XXXX or anyone stating that I had an outstanding medical bill and knew nothing about the outstanding bill until the current year, XXXX. They also mentioned my old address - letting me know that the reason I had never been contacted was that, if any correspondence had been sent, it had been sent to the XXXX XXXX XXXX address. They are now focused on forcing me, an elderly & permanently XXXX woman, living on SSI, to pay for an ambulance bill that they failed to make me aware of, from over 6 years ago and that they failed to collect payment for from the responsible party - the Social Security Administration. I should not have to suffer because they failed to have a current address and contact me, years ago, about the outstanding bills ' existence.
Consumer complaint received 2023-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I noticed inquiries on my credit report that i did not authorized. I tried to dispute with experian and they refuse to investigate. The creditor posting enquiry on my credit report has a phone number that does not exist and when i sent a certified letter it came back as undeliverable. The company 's names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information posted on my credit report is outdated and not verifiable.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-24
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. (MN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Balance : XXXX
Consumer complaint received 2023-11-24
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. (NC)

NAME- XXXX XXXX XXXX XXXX EMPLOYER- XXXX XXXX XXXX I am writing you FOR THE XXXX TIME to dispute XXXX Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACCOUNTS. Nor did I have a account with - XXXXXXXX XXXX XXXX XXXX, on XX/XX/XXXX. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT produce THESE DOCUMENTS Please DELETE these Inquires and accounts- XXXX XXXX XXXX XXXX, on XX/XX/XXXX, and also XXXX XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and this is not the same dispute. No services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please also update this on my credit report. 
Please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 


Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!!
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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 XXXX
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (AK)

on XXXX I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD XXXX breach I notice accounts being open in my name without my permission. the following accounts are not mine FEB/GFSCS-RETAIL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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. (AL)

I have filed mutiple complaints against Equifax for refusing to report my XXXX XXXX account number XXXX on my credit report even after requesting the information from XXXX XXXX and XXXX  sent the documents Equifax still refuse to add the documents are attached and Equifax refuse to respond to XXXX XXXX documents also attached Equifax only response to me is that the account is not on my credit report i understand that thats why XXXX  contacted Equifax and was told what to provide and they would report it but Equifax still refuse the following complaints have been filed Date. Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all the documents that Equifax stated they would add the XXXX XXXX account XXXX to my credit report when XXXX sent is also attached
Consumer complaint received 2023-11-24
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 

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 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am exercising my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ) to dispute and request an investigation into the accuracy of information on my credit report. 

Account Name : XXXX  Account # : XXXX Account Name : XXXX Account XXXX XXXX XXXXXXXX Account Name : XXXX Account # : XXXX Account Name : XXXXXXXX XXXX Account # : XXXX
Consumer complaint received 2023-05-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Woke up this morning ( XX/XX/23 ) at XXXX, have XXXX emails from XXXX stating that a Bank of America account was opened in my email. 

First email says to verify email address, second says welcome to online and mobile banking, and the third says unable to open account online.
Consumer complaint received 2023-11-24
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. (IL)

XXXX, Equifax and XXXX all are reporting unauthorized inquiries on my credit report. I did not authorize these companies to put an inquiry on my report and I do not know how these companies got my information. I need these inquiries removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2023-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency (PA)

I have no idea who this creditor is. This debt is NOT MINE! 1ST CLASS AGENCY has paid XXXX to report a fraudulent account on my credit report. I have never done business with this agency nor the company the claim I've done business with. This fraudulent account is being reported as being opened on XX/XX/2018 yet the last activity state XX/XX/2018. How can the last activity be 6 days before the opening. This account is a XXXX debt that is fraudulent and is hindering me from obtaining a mortgage loan. This fraudulent debt needs to be REMOVED from my credit report IMMEDIATELY!!!!!