davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Nationstar is our mortgage servicer. We had a mortgage from XXXX XXXX XXXX and we were n't informed until after 60 days from the transfer. We had been current with XXXX and had never had any delinquent months since ou purchase. We immediately noticed that our amount owed monthly was different. Nationstar failed to provide any documentation of breakdown in details of " fees ''. 

The current problem is that following my extensive and repeatedly hospitalizations, we became behind XX/XX/XXXX. It was our first time being behind 30 days. Our XXXX/XXXX/16 payment was late 60 days. We were able to catch up a bit and bring it back to 30 days late for the XX/XX/XXXX and XX/XX/XXXX payments. Due to additional hospiatlizations our XX/XX/XXXX payement was 60 days late ( paid on XX/XX/XXXX ). On XX/XX/XXXX we made the XX/XX/XXXX bill. The account showed as pending until after XX/XX/XXXX. XX/XX/XXXX suddenly the payment showed as REVERSED. I called Nationstar to find out why. Their response was there must have been an error on my part with the number. I asked to speak with a supervisor who confirmed that the number had been used before. She asked that I go to bank and 3-way call with them to confirm that the number was our account and they would be able to credit the amount as paid and take the money again. When at the bank, the manager confimed with nationstar rep that account was valid and money was still there.XXXX manager also explained that Nationstar did not attempt to take the money. Nationstar explained that it was nw XX/XX/XXXX and by not having XX/XX/XXXX payment in account it was now 90 days delinquent. XXXX again confirmed funds were in bank and the funds for XXXX I attempted to pay. They told bank manager that funds would not be allowed to be paid to Nationstar. The problem resolution request was sent by rep but would not lkely be addressed until XX/XX/XXXX. In the meantime they refuse any payment. This would make it 120 days late. 

So by reversing payment in XX/XX/XXXX, they have caused t to be 90 days late. And then again refusing XX/XX/XXXX would make it 120 days late. And acknowlegeing it would take until XX/XX/XXXX cause it to be 150 days late. 
How can they fraudulently cause a delinquency?? 
Also all the funds I pay each month over what is owed to be applied to principal and " fees '' has never been applied. They even reversed escow funds out of that I have paid. 
They now say that because the XX/XX/XXXX payment was n't credited they have moved case to foreclosure!!! They will not speak with XXXX or myself further.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

XX/XX/23 I ran my credit report via Experian due to a surprise credit decline recently. While reviewing the information, I noticed two mistakes : first, a variation is incorrect ( this is NOT an AKA of mine ) XXXX XXXX XXXX. Second, I am not associated with any SSN ending in XXXX. Clearly these are data processing errors and someone keyed in incorrect information. I would like these associations to me corrected. I tried via the Experian webpage to correct three items that I found, and I could not add these two to the dispute cart. Instead, Experian asked me to call XXXX but there was no option to add this to the dispute cart.
Consumer complaint received 2024-04-05
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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 am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : XXXX XXXX XXXX XXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

XXXX XXXX XXXX- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXX lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU (CA)

Creditors Bureau is asking for {$70.00} dollars more that what is owed to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) The breakdown of the original amount due, what ways paid, was is still owed doesn't match at all with the medical service amounts. 

When I called the Creditors Bureau, they pretended that this was what the medical service gave them.
Consumer complaint received 2024-04-05
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX 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 2023-12-14
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. (PA)

Dear Experian Dispute Team, I am writing in response to your recent communication regarding my dispute concerning the address XXXX XXXX XXXX XXXX, XXXX, PA. In your response, you mentioned that the address could not be removed as it was linked to a credit collection account. I would like to bring to your attention additional information that supports the assertion that this address is associated with fraudulent activity. 

As previously stated in my initial dispute letter, I have provided evidence and legal documentation proving that the collection account linked to the address XXXX XXXX XXXX XXXX was the result of fraudulent activity. I have appeared in court to dispute the validity of the collection account, and the case with XXXX was resolved in my favor, confirming the fraudulent nature of the account. 

Enclosed with this letter, please find the relevant documentation, including court records and any other supporting evidence that further substantiates the fraudulent nature of the collection account linked to the aforementioned address. 

I kindly request that you conduct a thorough re-evaluation of this matter, taking into consideration the legal resolution of the fraudulent collection account. Given the resolved nature of the case with XXXX, I believe it is appropriate and necessary to remove the associated address from my credit report. 

Given that the other credit bureaus have already corrected this information based on the evidence provided, I kindly request that you conduct a comprehensive review of the new information and reconsider the accuracy of the reported address. 

Information in question is inaccurate, and I trust that you will conduct a thorough examination of the new evidence presented. If needed, I am available for further clarification or to provide any additional information that may aid in the resolution of this matter. 

Given that the other credit bureaus have already corrected this information based on the evidence provided, I kindly request that you conduct a comprehensive review of the new information and reconsider the accuracy of the reported address. ( I provided documentation that all other departments already removed the address ) Information in question is inaccurate, and I trust that you will conduct a thorough examination of the new evidence presented. If needed, I am available for further clarification or to provide any additional information that may aid in the resolution of this matter. 

Thank you for your attention to this dispute, and I look forward to a swift and fair resolution.
Consumer complaint received 2024-04-05
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (IL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
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. (NJ)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

I have had an ongoing issue regarding my mortgage which ended up with Caliber, prior to which it was with multiple other services. 

For some reason, over the years, I find that forced property and flood insurance ends up on my account. This has happened not only with Caliber but servicers prior to Caliber, even though my property is not in a flood zone. 

Forced placed insurance was recently put on by Caliber in early 2015, after which I called them and told them about the problem. They admitted their error and insisted that the loan had to be " modified '' in order for the forced place insurance to be removed. Even though I volunteered to make my monthly payments as usual, the rep told me that during the modification, I am not to make any payments and that I would be contacted once the modification had been completed to alert me payments were due. 

I was sent statements and began to make payments when my loan was modified after XXXX 2015. However, on recently checking my credit report I found that Caliber has marked me 90 days late from XXXX 2015 on my credit report. I have brought this issue up with Caliber recently, unfortunately their loan modification department replied that they had accurately reported the account as late on my credit report.
Consumer complaint received 2023-05-15
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. (AL)

I recently pulled a copy of my credit report and noticed the following information are listed in error. The FERA states that the only permissible purpose for pulling someone's credit report is A ) firm offer of credit B ) c insurance C ) employment or D ) a court order The following inquiries are related to none of the aforementioned permissible purpose XXXX XXXX XXXX  -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (OR)

This is a follow up from case XXXX as my issue is STILL not resolved. Goldman Sachs indicated they backdated my payment to XX/XX/XXXX, as it should have been, except I am still being assessed interest despite that statement being paid in full. They made no effort to contact me except for a single voicemail, where they did not leave a return number other than general customer service, and general customer service has no idea how to step into this matter and help me. 

What I now show, is the payment date changed from XXXX to XX/XX/XXXX, and interest charges of {$77.00} on XX/XX/XXXX. General customer service says the payment date is wrong, it should be XX/XX/XXXX and shows as such on their end, but they can not explain the additional interest charge or the fact that my account is now accruing interest for the month of XXXX, despite it starting the month out with a {$0.00} balance, paid in full in the previous month. It is my supposition that their " backdating '' of the payment has created more problems for me than it solved. 

Suffice it to say, my issue is not resolved, and as an aside, I believe Goldman Sachs is lying about the limitation of check payments existing on XXXX 's side. XXXX and my credit union both indicate the limitation is on Goldman 's side and while I can't definitely prove it one way or the other, I'll note that I have no issue paying any other credit card bank via XXXX. This is solely a problem with Goldman Sachs. 

As an additional aside, I have filed for arbitration against Goldman Sachs on this matter, due to their continued unwillingness to simply fix my account. I would very much like to resolve this without seeing that process through to its conclusion but at this point I do not believe that is likely.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please 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 2023-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

Commencing on or around XX/XX/2022, I fell victim to multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-04-04
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (IL)

I have been trying to resolve several issues with SLS, ( now has recently changed names to Shellpoint, a division of XXXX XXXX ) through the XXXX  with multiple Qualified Written Requests, as well as through an open mediation with the State of Illinois. 

I am representing myself in the foreclosure case. My old attorney was granted leave, and the other attorney just left without filing the exit paperwork with the courts. The firm that attorney worked for has been closed for well over a year. 

SLS thinks that the RESPA attorney that has they have been sending paperwork to is my current attorney. I have supplied SLS with a letter from that RESPA law firm, stating that they do not represent me in the foreclosure. They are not on retainer with me currently either. I have also informed the judge of this information as well. The judge is the one that asked if I was good to represent myself going forward. I am good with representing myself. SLS would know this if they talked to their law firm on the foreclosure case. 

I am having problems with SLS stating 9 times in writing that SLS is unable to send the information that I have asked for. The last response that I sent through the XXXX, I stated that if they would not fulfill my QWR, that I would send all XXXX that I had at that time to the RESPA attorney for violating RESPA Regulation X. SLS has been addressing the replies to the RESPA attorney, and this last one SLS clearly states " SLS respectfully declines your request for compensation in order to settle the complaint. Additionally, we decline the stipulations outlined in your complaint. '' That was a complete quote from XXXX ( XXXX ID XXXX ), a Customer Care Support. 

I believe that this is a total violation of RESPA Regulation X and that SLS is using this person as a fall guy when SLS gets caught doing something wrong.

I would like to have the CFPB explain to this company that whether or not I have representation that SLS needs to follow the same requirements that every other third party mortgage servicer is held to. 

The dates that SLS violated Regulation X are as followed : XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 - this was to the RESPA attorney XX/XX/2024 XX/XX/2024 - this was to the RESPA attorney At this time I can only upload the XX/XX/2024 file. I can upload the others to this complaint if they are needed, I will need to pull them from the XXXX correspondences. 

The letter dated XX/XX/2024 is the letter that I quoted SLS telling me that they wont pay any fines for violating Regulation X. I have also sent that letter to the State, to be added to the open mediation that I have going on with the State of Illinois Attorney General Consumer Fraud Division.