davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

NATIONSTAR HAS BEEN FOUND GUILTY OF COUNTLESS CRIMINAL ACTS AND THEY HAVE ADMITTED THESE CRIMES WERE COMMITTED ON PAPER AND IN THE CFPB REPLIES. THIS CONFRIMATION OF MULTIPLE ILLEGAL ACTS IS UNDENIABLE AND IRREFUTABLE. 

WE WILL KEEP THIS COMPLAINT SIMPLE. ****FEDERAL LAW REQUIRES A CORRECTED LOAN PACKET ON THE NATIONSTAR / MR COOPER LOAN FOR XXXX XXXX XXXX XXXX FLORIDA ... BECAUSE LOAN FRAUD WAS FOUND IN INITIAL LOAN DISCLOSURE ... WIND INSURANCE WAS LEFT OFF ALL ESCROW AND LOAN PAPERWORK ... TO MAKE IT APPEAR THE MISLED CONSUMER WAS SAVING MONEY WHEN IN FACT THEY WERE PAYING MORE**** ***THE ATTITUDE, INTENTION OR PERSONAL GOALS OF INDIVIDUAL PERSON COMMITTING THE ACT ARE IRRELEVANT ... INTENTIONAL OR INADVERTANT ... THE LAW IS THE SAME. 30 DAYS TO CORRECT ERROR OR LOAN IS INVALID*** WE ARE REQUESTING THAT THEY PROVIDE THE CORRECTED LOAN PACKET, SIGNED BY ALL PARTIES, OR THEY IMMEDIATELY RESCIND THE LOAN AND CEASE ALL COLLECTION ATTEMPTS PLEASE NOTE THAT NATIONSTAR , XXXX XXXX, XXXX XXXX AND MR COOPER HAVE ALL BEEN AWARE OF THE FEDERAL LAW THEY ARE NOT FOLLOWING AND THEY ARE REFUSING TO COMPLY ***NEW EVIDENCE FOR NATIONSTAR*** YOU REQUESTED NEW EVIDENCE ... HERE IT IS, XXXX XXXX IS GUILTY OF RUNNING A CRIMINAL SCAM XXXX XXXX KNOWS HE HAS SOLD HOMES HE NEVER LEGALLY OWN XXXX XXXX HAS ORCHESTARTED ILLEGAL SALES USING A SCAM KNOWN AS " PORTFOLIO TRANSFER '' NATIONSTAR EMPLOYEES LIE TO CONSUMERS ON THE PHONE AND STEAL MONEY FROM THEM ON A DAILY BASIS THE LAST 2 PAYMENTS I HAVE MADE WERE STOLEN AFTER THE FREP LIED TO ME ON THE PHONE ***YOU HAVE NO CORRECTED LOAN PACKET ... YOU KNOW THIS ... GIVE UP ALREADY AND FOLLOW THE LAW!!! *** A SIDE NOTE FOR NATIONSTAR ... WE CAN EASILY PAY THIS MORTGAGE IF YOU PROVE YOU HAVE A LEGAL LOAN. SINCE YOU CAN NOT ... THE LEGAL OBLIGATION TO PROVE ABILITY TO COLLECT FALLS ON YOU. 

COMPLY ... NOW!!!
Consumer complaint received 2024-04-28
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. (MD)

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, who's studying 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-28
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. (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. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : 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  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-28
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. (LA)

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 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 : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-08
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE!
Consumer complaint received 2024-04-28
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-28
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2020-10-11
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. (VI)

There is a hard inquiry on my TransUnion credit report from XXXX XXXX  vi for XX/XX/2020. That hard inquiry should not be on my credit report because Ive never walked into any of their branches and authorized them to do a hard pull on my credit report. I am hereby asking for that item to be deleted or removed.
Consumer complaint received 2017-12-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

On XXXX/XXXX/XXXX, my home sustained water damage. I reported this to the mortgage company, Nationstar Mortgage LLC d/b/a XXXX XXXX NMLS # XXXX, and my homeowners insurance company. I opened a claim with the insurance company. I hired a licensed contractor who repaired the work and I paid the contractor in full out of my pocket. The insurance company and mortgage company were notified the work was completed and were provided documentation verifying the completion of the work and that the contractor was paid in full. The insurance company verified the work had been completed to their ( and my ) satisfaction and that the contractor had been paid. On XXXX XXXX, XXXX, the insurance company issued check for the cost of repair less my deductible and made the check payable to me and the mortgage company. I endorsed the check and sent it to the mortgage company for endorsement. They have unlawfully and without my authorization withheld my reimbursement of funds. They have lied, they have withheld information, they have made unlawful and unreasonable demands of me and my contractor under the guise of what is required to obtain my funds. When I have attempted to comply, they have denied receipt of documents that they received, and they have continuously added additional requirements before they state they are willing to send my funds. I have requested email verification of their procedures and demands. They refuse. I have requested to speak to a supervisor. They have refused. I am retired and depend on my funds for my life expenses. I have been without these funds for two ( 2 ) months without end in sight. They have effectively stolen my money. I am current on any and all financial obligations to them and they have withheld almost {$30000.00} from my savings.
Consumer complaint received 2024-04-28
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. (AR)

XXXX XXXX Acct number XXXX The closed account dates are not the same on all three credit reports. It is still showing a current balance of {$750.00} on all three credit bureaus, but the account has been charged/ collections. The dates are 2 years prolonged after the charge offs and collections in that case it will make ILLEGAL to RE-AGE the account 2 years and 7 months later after collections and charge off.
Consumer complaint received 2023-08-25
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. (CA)

My credit report is showing late payment on XXXX XXXX XXXXXXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

In accordance with the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and with respect for individuals ' privacy rights. XXXX and TransUnion are recognized as consumer reporting agencies, while I, as a consumer, hold the right to safeguard my private information. This right is supported by section 6801 of 15 USC, which specifies that financial institutions have an ongoing obligation to uphold customer privacy and protect the security of their nonpublic personal information. The entity referred to as the XXXX XXXX XXXX ' falls under the definition of a financial institution as per the mentioned title. 

Section 604 ( a ) ( 2 ) of 15 USC 1681 outlines that a consumer reporting agency can furnish a consumer report solely based on explicit written instructions from the relevant consumer. Neither XXXX XXXX XXXX ' nor the consumer reporting agencies ( XXXX and TransUnion ) possess my consent to share this information, and certainly not my written consent. Consequently, any consent previously given to XXXX, TransUnion, or the XXXX XXXX XXXX ' whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Section 6802 ( b ) ( c ) of 15 USC asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to exercise the option of nondisclosure. XXXX XXXX XXXX ' failed to inform me of this right. Furthermore, as stated in 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse items of information in a consumer report, unless authorized under subsection ( b ) or if the information pertains to convictions of crimes that occurred more than seven years prior. The account being reported is an adverse item without my consent, which is a violation of the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information about a consumer to any consumer reporting agency when there is knowledge or reasonable cause to believe inaccuracy exists. Also, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports solely for the purposes listed under section 1681b. XXXX and XXXX are failing to uphold these reasonable procedures. 

Additionally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

Attached below are images from my consumer report containing evidence of XXXX, TransUnion, and XXXX XXXX willful noncompliance. 

Thank you for your attention concerning this matter!
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that your Credit Agency will investigate this account to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-28
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that your Credit Agency will investigate this account to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-28
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 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.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NY)

I applied for SAVE plan in middle of XXXX. Nelnet acknowleged application by end of XXXX and requested XXXX days to process the application. I waited until XX/XX/XXXX. But repayment plan was not changed, only another notification asking for another XXXX  days as " application is moving up the queque ''.
Consumer complaint received 2024-04-28
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)

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  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-04-28
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. (FL)

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 XXXX that I have made. It is the result of identity theft.
Consumer complaint received 2023-11-01
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: AMERICAN HONDA FINANCE CORP (NY)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
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. (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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 : Account Number XXXX XXXX 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 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar/Mr Cooper has added forced insurance and escrow to my account when I have insurance and have presented it multiple times. I filed a complaint with you XXXX XXXX, 2017 and now they have deducted for property taxes they did not pay and still deduction forced insurance. My account is a mess even though I have never missed a payment of principle and insurance. Now they are selling my account to XXXX XXXX. 
This forced insurance has been going on for months and numerous conversations from me and multiple faxs of declaration page has not resolved this.