davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Nationstar Mortgage has failed repeatedly to cease contacting me via email, phone, and other methods, even though I have filled out their Do Not Contact Me At All form,   THREE TIMES!!!
Being Military,   I pa y 1/2  my Mortgage on the  XXXX , and the othe r 1/2  on the  XXXX . SEVERAL times, Nationstar Mortgage has FAILED to apply the first payment to the second payment, instead, leaving it in the suspense account,  XXXX   hys I have to contact them to do their job, or incur a late fee.
In between receiving the first 1/2 payment, and up until the second half is received, Nationstar w  ill repeatedly call and email me, requesting full payment, EVEN THOUGH I AM NOT LATE! I am late on the  XXXX ! I have yet to be late paying, yet they still contact me!     They also attempted to force insurance on me, which I quickly quashedwith proof that I had adequate insurance and that, if needed, I wiuld contact Legal.     I was part of the Wroght vs. Nationstar settlement ... seems they have n't learned a thing!     Attached are emails I have received from Nationstar in just a span of a WEEK! Keep in mind, I have repeatedly filled out their No Contact form!
Consumer complaint received 2024-04-19
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. (LA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-04-19
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

These accounts are not mine. I would like you to review these. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

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 XXXXXXXX
Consumer complaint received 2022-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (GA)

XX/XX/2022 NOTICE OF ERROR FHA MORTGAGE LOAN TO : STATE HOME MORTGAGE ( Servicer of loan ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NOTE : THE RECENT CHANGES TO THE WEBSITE, ON STATE HOME MORTGAGE 'S LOAN PAYMENT HISTORY PAGES, THAT BORROWERS USE TO CHECK THEIR LOAN INFORMATION, IS INADEQUATE AND LACKS INFORMATION, USES IMPROPER TERMINOLOGY, USES SOFTWARE BLOCKING OR ANOTHER FORM OF DETERENT WHEN TRYING TO ACCESS, COPY, PRINT, SAVE, AND/OR VIEW, ALONG WITH OTHER UNACCEPTABLE SETTINGS THAT CAUSES GREAT DIFFICULTY AND OVERWHELMING FRUSTRATION. AND, IN ADDITION TO MAKING EVERY ASPECT LISTED HERE LESS USER FRIENDLY ; THE AVAILABLE AMOUNT OF HISTORY THAT CAN BE OBTAINED IS ONLY A 5 YEAR HISTORY FROM THE DATE OF INQUIRERY, WHICH WILL NOT ALLOW A USER THE ABILITY TO GO BACK AS FAR AS A USER, BORROWER, TO ACCESS THE FARTHEST BACK DATE FROM TODAY TO THE NEXT DAY ; A MAXIMUM OF ONLY 5 YEARS BACK FROM THE DATE A BORROWER MAY ACCESS THE SYSTEM. 

STATE HOME MORTGAGE, the mortgage servicer and under THE GEORGIA DEPARTMENT OF COMMUNITY AFFAIRS, committed a violation of the 12 CFR Part 1024 - Real Estate Settlement Procedures Act ( Regulation X ), rule 1024.17 ( f ), and in conjunction with all of RESPA rules, regulations, and procedures. More specifically STATE HOME MORTGAGE incorrectly utilized regular scheduled monthly mortgage payment funds to satisfy the mandatory coverage of a Deficiency that came to exist, through no fault of the borrower, which STATE HOME MORTGAGE negligently or intentionally chose to not follow the proper procedure ( s ), by not informing the borrower, and not allowing the borrower any chance of a separate payment for refunding the deficiency payment, and by not performing an additional escrow analysis to determine whether any repayment would be required, and a breakdown of the amounts, timing, or changes to the Escrow Account 's future payment amounts : THEREBY DID VIOLATE THIS BORROW 'S RIGHTS. 
The affected mortgage payment totals need to be adjusted to correct the losses of Principal payment funds that were incorrectly taken, plus any interest and penalties that should be applied, shall be sent to me upon an agreement to be negotiated and determined fair for both parties, and within a reasonable amount of time. However, other COMPLAINTS, GRIEVANCES, ERRORS, and/or ISSUES OF IMPROPRIETIES MAY STILL BE BROUGHT FORTH. 

RESPA, FDIC DEFINITION : Deficiency is the amount of a negative balance in an escrow account. As noted in 1024.17 ( f ), if a servicer advances funds for a borrower, then the servicer must perform an escrow account analysis before seeking repayment of the deficiency.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (FL)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law : 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 2018-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has aggressively started to assess " Monthly Maintenance fees on my account over the past 6 months. Every month they charge {$12.00} to my checking account and {$16.00} to my business account. They chip away and steal my hard earned money slowly this way month after month. Their polices change behind the scenes and their terms and conditions are hidden beneath layers of contractual language. I have been a customer with them over 10 years but over the last 18 months the fee collection has been very aggressive. This is not fair way of doing business. I would like Bank Of America to refund all the Monthly Maintenance fees they charged over since XX/XX/2018.
Consumer complaint received 2023-12-03
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: Experian Information Solutions Inc. (MO)

Experian has published accounts on my credit file that were not created by me, no written consent was given to publish the non public information and no disclosures to opt of credit reporting were given. They have broke federal laws 15 USC 6802 publishing non public information, 15 USC 1681a ( d ) ( 2 ) exclusions. I have made disputes that came back verified and could not explain how it was verified. They are now in subject to willful non compliance subject to civil liability damages
Consumer complaint received 2023-09-22
Product: Credit card — Store credit 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. (IA)

On XXXX, someone opened an account under my name at BestBuy and purchased ~ {$1300.00} of goods On XXXX, someone opened an account or used my old account under my name at XXXX and purchased ~ {$7500.00} of goods
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.
Consumer complaint received 2023-04-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Accredited Collection Service, Inc. (NE)

I received a summons from Accredited Collection Services ( XXXX, XXXX ) trying to collect a medical debt from Nebraska XXXX on Saturday, XXXX. The total was {$780.00}. I am not disputing this debt. On the following Tuesday morning, XXXX I called Accredited Collection Service at ( XXXX ) XXXX. I spoke to a guy and told him I had received the summons and that I would like to take care of it. He told me that there were a couple of accounts due also, XXXX, I asked if I paid these in total and if it would take care of my summons. I was assured yes. I gave him my CC # and made two separate payments. XXXX for {$740.00} and the other for {$310.00}. The total of the payments was {$1000.00}. I asked for a third time. '' this will take care of the summons, correct? '' Again, I was assured that it would. I received, dated XXXX, a XXXX and XXXX of XXXX in aid of Execution. So now they are going to garnish my wages from my part-time job to recover the amount. The amount that I was told by the ACS employee would be taken care of with my CC payment. After speaking with XXXX about the law firm filing the papers. She told me she would contact ACS for an explanation, Three days later she returned my call stating that ACS told me, when they took my CC payment, that I still had outstanding debt and that the payment that I made would not relieve the debt in the summons. That statement is 100 % FALSE, The man told me XXXXhree separate times " Yes, this will take care of the summons ''. I was purposely DECEIVED! I have since paid the debt to the law firm. I just feel that Accredited Collection Services is lying to me, purposely deceiving me and probably every other person out there. If ACS was required to provide a recording of the conversation we had,. I know that they would not be able to because they lied and they know it!
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/
Consumer complaint received 2023-12-03
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2023-12-03
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. (PA)

I XXXX XXXX XXXX have one fraudulent account and inquiries appearing on my credit report. 

Account : XXXXXXXX XXXX {$1800.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-12-15
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. (LA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-12-03
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. (TX)

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 Account 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 XXXXXXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I filed a complaint on XX/XX/23. File number XXXX. The company 's initial response was on XX/XX/23. It has clearly been more than XXXX  days and according to the FCRA the company has 30 days to investigate and resolve my complaint. It has been XXXX  days with no response or resolution to my request. 

Therefore, the only acceptable resolution to my case ids to have all of the disputed accounts removed from my credit report effective immediately. This is a direct violation of my consumer rights.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (VA)

XX/XX/XXXX - contacted XXXX, XXXX, XXXX and XXXX at Aspire credit card company. 

Since XX/XX/XXXX I made a dispute request with aspire credit cards regarding a transaction for the amount of {$710.00} that was for XXXX XXXX XXXX. 

I have yet to receive a resolution or response for the dispute I made for the above transaction. I have called numerous times over the last year regarding the dispute that I had to wait around 3 to 4 months to receive the paper form to complete that can only be mailed to the consumer to request a dispute with supporting documentation and followed those steps. 


During XXXX the United States, Postal Service has been a nightmare, and everyone knows it. Im not the only individual that has seen a problem with delays. 

Just now I am being told that my dispute is not valid and in the timeframe of their parameters. 

I have a dispute, and the information that shows on credit card statements with aspire that the amount is in dispute and working on a resolution for XX/XX/XXXX, XXXX and XX/XX/XXXX. 

Over the past year and a half I have never received any response or been able to get a response from one of their associates one reaching out and has consumed numerous hours of my time with screenshots of 40 minutes 20 minutes an hour and a half trying to help get results of dispute. 


NO HELP!
Consumer complaint received 2023-11-30
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. (KY)

This letter is to inform you that recently received a copy of my credit report that your company publishes and after receiving it i found a number of items on the report that are inaccurate. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. If you do not have documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Please don't respond to my request by saying that these accounts have been verified. 
XXXX XXXX XXXX . Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2018-12-27
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. (OH)

Dear Credit Bureau, Regarding the following accout ( s ) : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX I do not recognize ever doing any business with the above companies. There could be a problem with the dissemination of up to date information. Please send me the proper materials on file that has more in-depth documentation for my review. If you can not meet a simple lawful requirement during the 30 days window then the above mentioned accounts should be deleted.
Consumer complaint received 2023-11-02
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: American Credit Acceptance, LLC (TX)

The following are hard inquiries placed on my credit report without my knowledge or permission XX/XX/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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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)

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you inves gate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Repor ng Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit repor ng agencies must conduct a reasonable inves ga on upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for inves ga ng my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough inves ga on into the unauthorized inquiries without requiring any addi onal reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as s pulated by the FCRA.