davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

In XX/XX/XXXX, I was affected by Hurricane Irma. I lost power and food. I immediately contacted Mr. Cooper ( mortage Company ) and was advised I would be placed in a three month forbearance program and because I was affected by the storm, I would definitely qualify for a modification. I was even advised I would not be penalized if I was unable to make the payments. I called every week, sometimes two to three times a week. I spoke with my loan specialist maybe three times. Each time I told my file was pending. Sometime in XXXX I received notice that I was denied because I had a modification less than 24 months ago. However, representatives assured me I would be approved because It was a different modification. I was shocked that I received so many different responses from the same company. I am now paying my mortgage before the 90th day every month to avoid foreclosure. Now I am receiving demand letters and certified mail every month, which has taken a toll on me and my daughters who are all in college. Mr. Cooper now tells me I owe over 6000.00 due to escrow and taxes that havent been applied due to my missed payments. I feel as though they are trying to take my home. I was initially told that if I stayed with the 90 days and paid one payment until I could catch up, I would not be in danger of foreclosure. Now, I am told I am in danger of foreclosure and I must pay my mortgage to current. This is devastating and has been a nightmare since XX/XX/XXXX. Please help!
Consumer complaint received 2024-03-19
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. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (IA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I found numerous inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA and Regulation V states that inaccurate or incomplete information must be investigated and fixed if found by the consumer. I have requested for validation of said accounts, yet have not received any evidence or seen any changes to rectify these errors. Under the FCRA, consumers have the right to request validation of debts and have inaccuracies promptly corrected. Hence my complaint here to address these violations and request a thorough investigation into the matter. Having such derogatory items on my credit report has been nothing but a burden for me, impacting my financial well-being and opportunities.
Consumer complaint received 2018-05-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I filed a complaint on XX/XX/XXXX stating that Mr. Cooper Mortgage told me that XXXX XXXX was included in my escrow. Mr. Cooper agreed to pay for the outstanding tax bill with my escrow. They charged me two separate payments of {$1900.00}, but only paid XXXX XXXX   {$1900.00}. So I filed another complaint on XX/XX/XXXX where Mr. Cooper confirmed they reached out to the wrong entity on XX/XX/XXXX again, City of XXXX. I have repeatedly over the last few months tried to provide Mr. Cooper with the correct contact information. The last attempt was to XXXX  in an email response on XX/XX/XXXX I'm yet to receive a response. I requested a reschedule of the foreclosure trial that was suppose be XX/XX/XXXX Now it's XX/XX/XXXX. Here 's the following email from XXXX XXXX confirming Mr. Cooper has never contacted them.

From : XXXX XXXX <XXXX> Date : XX/XX/XXXX at XXXX XXXX CDT To : XXXX XXXX   <XXXX> Cc : XXXX XXXX   <XXXX> Subject : Re : XXXX XXXX v. XXXX  / Cause No. XXXX XXXX XXXX XXXX XXXX is with the City of XXXX, not with XXXX XXXX XXXX. She does not have knowledge of the collection matters. She can simply look online like any person.

Additionally, recordings of non parties are inadmissible hearsay.

XXXX -- XXXX XXXX XXXX XXXX On XX/XX/XXXX, at XXXX XXXX   XXXX XXXX <XXXX> wrote : Hello XXXX XXXX I have a recorded voice conversation onXX/XX/XXXX where XXXX from XXXX XXXX told Mr. Cooper those were the only fees due. Mr. Cooper will try to reach out to you today to try to resolve this issue again.

XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX <XXXX> wrote : XXXX XXXX, Attached please find the Plaintiffs Notice of Trial in the above-referenced matter.

Respectfully, XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

The Overlook at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX T : XXXX XXXX F : XXXX
Consumer complaint received 2024-03-19
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)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I am HSBC US users. At the end of XXXX, I found that I couldn't log in to the account. HSBC customer service told me that the account was closed within 60 days, but I could not provide a reason.I am a XXXX, I suspect that HSBC is in XXXX  discrimination, forcible my account without any reasonable reasons.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and assurances from your company, these fraudulent charges persist, causing significant stress and financial concern. 

The presence of these fraudulent charges not only damages my financial reputation but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is imperative that these charges are promptly removed to prevent any further damage to my financial standing. 

Furthermore, I expect to be compensated for any financial losses or damages incurred as a result of these fraudulent charges, as well as for the inconvenience and stress caused by having to deal with this situation repeatedly. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MO)

XXXX disputes since XX/XX/2023, XXXX written letter to my credit card company, and XXXX calls to my credit card company later. Still no success. 

I paid off my balance in full in XXXX of this year. My balance is {$0.00} and my credit limit increased by $ XXXX. No updates have been sent to any credit reporting agencies on this particular credit card since XXXX of this year.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AZ)

In XX/XX/2023, I applied for the SAVE Income-Driven Repayment Program on Aidvantage 's website to see if I could save money on my monthly payments. There is no other to determine how much my payment would be without applying. On XX/XX/XXXX, I received an email from Aidvantage informing me that I'd been accepted, enrolled, and that my new monthly payment was nearly double what I had been paying previously, due XX/XX/XXXX. While the literature provided by Aidvantage says that I can un-enroll at any time, there are no instructions given for how to do this. I attempted to call their customer service twice on XX/XX/XXXX ( they were not taking calls on XX/XX/XXXX due to XXXX XXXX ), only to give up after waiting on hold for an hour. Their availability times for calls are extremely inconvenient for my timezone ( XXXX XXXX ), and my emails have gone unanswered.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My name XXXX XXXX XXXX and my only employer is XXXX XXXX. 

I have no association or knowledge of XXXX XXXX 

The information is not mine and is not related to me.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (SC)

1ST ISSUE PAYPAL SHOWED ME HOW MUCH THEY CREATE FRAUD ON CUSTOMER ACCOUNTS MY ACCOUNT WAS SUPPOSED TO RECEIVE A REFUND TODAY INSTEAD WHEN I CALLED ONE OF PAYPAL AGENTS FRAUDULENTLY CHANGED THE PAYMENT REASON TO EXTEND THE PAYMENT INSTEAD OF ALLOWING ME TO BE REFUNDED AND I AM 100 % SURE THEY DO THIS TO PEOPLE ALL THE TIME. WHEN I CALLED ABOUT THE REFUND THEY KEPT PROLONGING THIS ISSUE UNTIL THE AGENT CHANGED THE REASON CODE CAUSING THE TIMEFRAME FOR MY REFUND TO EXTEND ANOTHER 20 DAYS FRAUDULENTLY. {$45.00} SHOULD HAVE BEEN REFUNDED BACK TO ME INSTEAD THEY EXTENDED IT GIVING SALER ANOTHER 20 DAYS TO GET HIS MONEY BACK.. 
2ND ISSUE I ALREADY HAVE ANOTHER DISPUTE THEY HAVE REFUSED TO PAY ME FOR A DISPUTE THAT SHOULD HAVE BEEN REFUNDED MONTHS AGO BUT THEY KEPT CLOSING A {$280.00} DISPUTE WHERE XXXX XXXX SENT BACK A REFUND BUT PAYPAL ONLY GAVE ME BACK {$8.00} OF THE REFUND AND THEY KEEP CHANGING THE CASE ID WHICH I WAS NEVER REFUNDED BACK TO ME THE CASE ID IS XXXX FOR THE {$280.00} REFUND PAYPAL KEPT XX/XX/2022 DISPTES WERE XXXX YET THEY KEPT EXTENDING THEM AND CLOSIGN THEM OUT SAME WAY THEY ARE DOING THIS OTHER CAAND THIS SHOWS HOW ALOT OF FRAUD THAT HAPPENS ON PEOPLE ACCOUNT NEVER GET CREDITED I HAVE LOST OVER XXXX TO BANKS THIS YEAR JUST STEALING FROM ME FOR NO REASON...
Consumer complaint received 2023-08-12
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: TRANSWORLD SYSTEMS INC (AL)

Company is practicing unfair deceptive business practices by collecting on a debt that doesnt belong to me and also collecting on debt in a state without a license which is illegal. Company was put on notice of the unfair business practices and refused to remove the inaccurate account from consumer report. Also advertising to 15 USC 1681 A ( a ) ( I ), transactions are NOT included in a consumer report!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Couple issues I have alot of different reports for credit cards I did not open. XXXX most recently is XXXX which I did not do. Also my name only has ever been XXXX XXXX XXXX ( XXXX name ) born and raised XXXX XXXX XXXX then XXXX XXXX XXXX until I met my now husband which I moved from XXXX XXXX XXXX XXXX PA to XXXX XXXX  XXXX XXXX XXXX PA in XX/XX/XXXX and got married XX/XX/XXXX. My name since XX/XX/XXXX when everyone was LEGALLY CHANGED is XXXX XXXX XXXX. I wasnt able to get XXXX because of all this and whoever is using XXXX XXXX is not me. My birthday is XX/XX/XXXX last XXXX ( XXXX ) I have paid my XXXX XXXX off and have been really watching my credit and I dont know whats going on but it needs fixed. I would appreciate it. Thank u XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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)

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 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 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Has to do with complaint number # XXXX. According to the Florida Hardest Hit Program includes two assistance programs, an Unemployment Mortgage Assistance Program ( UMAP ) and a Mortgage Loan Reinstatement Program ( MLRP ). The HHF Program will provide assistance in the form of a subordinate mortgage loan. ( HHF Loan ) to the homeowner. The HHF Loan will be evidence by a Promissory Note, a Rider to Promissory Note, and a Subordinate Mortgage ( collectively, the Loan Documents ). The Loan Documents, including requirements contained in the HHF Approved Letter, contain the terms and conditions that will govern the HHF Loan. With that said, once Nationstair Mortgage and/or Mr.Copper accepted these terms set by HHF Program, then under those terms and conditions. Under the Rider to Promissory Note Section D. : ( The owner or servicer of the Borrower 's First Mortgage Loan must agree to accept and apply the HHF Loan proceeds to the contract payment due under the Borrowers First Mortgage Loan, and where the HHF Loan proceeds are advanced for reinstatement, must agree to reinstate the First Mortgage Loan. also under the UMAP & MLRP you receive a maximum payment of {$18000.00} towards the installments of principal, interest, mortgage insurance, escrow amounts for taxes, insurance and homeowners association fees. Which also where included for the next year monthly payments. Paid out by Florida Hardest Hit Program. Therefore, as you stated in your response letter to me, The funds provided were not enough to bring the account to current standing. The Florida Hardest Hit Program would not have continued to make payments towards anything that would have to due with the Mortgage. Furthermore, if you accept the terms they provided, then under these terms, you have to make due with what you got. And bring the account up to a current statues.
Consumer complaint received 2024-03-19
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. (TX)

I am writing to express my dissatisfaction with many attempts to correct the late open accounts associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a many attempts were necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of these discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXX Balance Owed : {$530.00}.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FM)

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, XXXX  and Transunion via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. XXXX  responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NV)

I opened up a secured credit card with XXXX dollars of my own money with Discover Card. They closed my account because they tried to take a payment of {$100.00} which was unauthorized and it came back returned. i messaged discover asking when will be my increase and they informed me that my credit card was closed and I forfeited my security deposit.