davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

NO PHONE CALL HAS BEEN PLACED TO ME REGARDING THESE ERRORS. NOT FROM MY DEDICATED LOAN SPECIALIST ( XXXX XXXX ), OR FROM FROM XXXX XXXX ( CONSUMER RELATIONS SPECIALIST ). 

XX/XX/2018 NEW COMPLAINT AGAINST MR. COOPER- Loan # XXXX XXXX XXXX Two weeks ago I spoke with a Loan Specialist to discuss my Modification Documents to ask why my deceased husbands name was included in these documents. The woman I spoke with placed me on hold several times to ask other people in her department questions. She ultimately agreed that this was an error ( obviously ), and told me I would be receiving a new set of documents in just a few days. As a mortgage banker for many years, what I do know is Mortgage Loan documents should not include a deceased persons name anywhere in the legal verbiage of a contract like this. The reason I started this modification was due to XXXX untimely death this fact is cited in several places in my application, you also received his death certificate back in XXXX. I should not have received these documents with his name anywhere in them. Regardless, I was not very trusting of her commitment that I would receive anything due to the fact that I have been told so many different things that were incorrect throughout this process, no follow up, no returned phone calls from Dedicated Loan Specialists, lost documents I was very skeptical I would receive new loan documents.

I waited 10 days for new documents. No new loan documents were mailed.

During the period I was waiting for the corrected documents to arrive in the mail, I decided to review the Escrow Account funds that are being collected every month with my mortgage payment. I found ANOTHER mistake. 
My property taxes are {$6300.00} per year OR {$530.00} per month. 
Your company has decided to make me pay {$10000.00} per year OR {$840.00} per month??? 
The whole premise for my applying for this modification was so I can keep my home by paying a lower monthly payment. Asking me to over-fund an escrow account by {$3800.00} is ridiculous and flies in the face of what I have worked so hard to accomplish with this modification. 

On XX/XX/2018 I called and spoke with a woman named XXXX who said yes, I should be receiving corrected documents and she will check to see why I havent received them yet. I also told her the escrow account that has a monthly payment is {$3800.00} too much annually. She placed me on hold for quite some time. When she got back on the line she told me Mr. Cooper will not be re-drawing the incorrect documents. Just sign them and send them in. She also stated that my escrow account would remain at the dollar amount that has been determined and I can go ahead and CANCEL MY MODIFICATION IF I DONT AGREE WITH IT?!?!? 

On XX/XX/2018 - I left XXXX XXXX ( my 5th or 6th Dedicated Loan Specialist ) a very detailed voice mail about this situation. 

ITS NOW XX/XX/2018 - I HAVE NOT RECEIVED A CALL BACK FROM XXXX XXXX I require a phone call from your office immediately. 
Thank you XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-28
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. (GA)

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 XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2023 I contacted PayPal about an email I received indicating that an invoice for {$1400.00} was coming from XXXX  for a purchase of an XXXX in XXXX  by someone named XXXX XXXX. I wasn't sure if this was a phishing email. PayPal confirmed that indeed there was such an invoice to be paid through funds from my connected bank account. I let them know that I had not authorized this transaction nor lent anyone my PayPal account information. I had checked my PayPal account after receiving the suspicious email and actually elected to Cancel this transaction, before calling PayPal about the fraud. The rep sent me another cancellation form through my computer browser ( not email. ) Then he asked me if I could download a program for him to go onto my computer because I didn't understand what he was telling me when he said I would get confirmation of that cancellation from my bank ( XXXX ), which is a separate entity. I then went onto XXXX 's website, to my account info, and did not see any confirmation from XXXX as the rep had told me. So, he accessed my computer. Then he asked me to download an app called XXXX  from the App store onto my XXXX. I did that, and he accessed it and told me that there were other charges coming in, including one from XXXX for a recipient named XXXX XXXX, and others for XXXX puchases. I was able to verify that someone named XXXX XXXX did add themselves to my XXXX recipient list and that they tried to get {$300.00} from my bank account on XX/XX/2023 as I was on the phone with the PayPal agent. I got off the phone with PayPal and contacted XXXX XXXX  via phone, and they were able to reverse/cancel this charge immediately. Today, XX/XX/2023, I attempted to close my PayPal account online in order to prevent any further fraudulent attempts to get money from my bank account. I got a message saying I couldn't close the account. I have both a Credit Card account and an account that goes to my XXXX banking account through PayPal. I contacted via telephone ( and internal XXXX  text ) a representative from XXXX named XXXX XXXXXXXX ( credit team ) and she told me she couldn't close my Credit Card account because it was connected to my other account ( connected to my XXXX  account ). This did not make any sense to me. These are separate accounts. PayPal kept asking me why I wanted to close the accounts. I told them that it is my right to protect myself and that I felt the account was compromised. They shouldn't make it difficult for me to close my account with them.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Filed claim for fraud on account from XX/XX/XXXX to XX/XX/XXXX and did not receive full amount. Plus overdraft fees. Roughly {$5700.00} claimed, only received about {$3000.00}.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

On or about XX/XX/2020 till currently I have entered into a modification agreement with Freedom Mortgage, They never offered a deferment to put balance on back end of mortgage or more relief, just a modification to pay back unpaid balance due to Covid19. 

I entered into the modification agreement and have made consistent payments for over 1 year yet freedom has not issued a permanent modification and marked my credit current on the mortgage.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have thoroughly reviewed my credit report and can confirm that I did not authorize this inquiry. As a responsible consumer, I am vigilant about monitoring my credit activity and only authorize hard inquiries when necessary. However, I have no record of initiating or consenting to this particular inquiry.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

They refuse to unblock my credit report for creditors to view my credit. Ive called numerous times and also sent in requested documentation. Everytime I call the ask for documentation them when they see them they says the block is off but never takes is off
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-21
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: NAVY FEDERAL CREDIT UNION (VA)

Navy federal, XXXX and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 3 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. 

Account Number XXXX XXXX Navy Federal Credit Union Date of First Delinquency IS MISSING Creditor Classification IS MISSING Navy Federal also states that they closed my account which isn't true. I asked them to close my account. It makes me look unworthy of credit when it states untruth as they state. 
LATE PAYMENTS ARE INCORRECT because I don't have a DOFD to even start where the late payments begin. Please Remove late payments and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received an amount of XXXX on Monday, XXXX XX/XX/2023 at XXXXXXXX XXXX from XXXX XXXXXXXX XXXX with a message go XXXX yourself. I am offended. This person send money through XXXX I tried calling Bank of America, they said they are not responsible for those messages. Please contact me and take necessary action to avoid these kind of issues for fellow Americans.
Consumer complaint received 2023-06-08
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. (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX  DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone # XXXX XXXX XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (CA)

We had mortgage XXXX with Mr Cooper ( formerly NationStar ) and we closed it two months back. Now we are trying to get a home but our credit reports still show that loan as open and it is preventing us from getting a new loan. 
We called them to address the problem but instead of fixing right there, they offered us to send an e-mail to one of their departments. We also sent a message to their support team, but we are still to hear from them. 

We appreciate any help you can bring about this issue. 

Thanks, XXXX XXXX
Consumer complaint received 2023-06-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-03-28
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-09
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I want to emphasize that I did not authorize this inquiry, nor do I have any existing or previous relationship with the creditor or institution listed. As a responsible consumer, I regularly monitor my credit report and ensure that all inquiries are legitimate and authorized.
Consumer complaint received 2023-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC (NJ)

On XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX and began financing with XXXX XXXX. I refinanced the loan shortly after with Car Finance who was then acquired by XXXX XXXX XXXX XXXX c/o Flagship Credit Acceptance . 

Once I began to learn and discover the truth about consumer law I realized I was taken advantage of by XXXX XXXX XXXX XXXX XXXX XXXX 

I attempted to rescind my car contract with Flagship Credit Acceptance which in turn they reported the loan as charged off. They then proceeded to repossess the vehicle after I made SEVERAL attempts to communicate with them and even requested a payoff amount letter so I can handle the balance. They refused to send me the payoff letter. Not only were my rights violated, Flagship Credit Acceptance wrongfully repossessed my vehicle. XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX have been XXXX to deal with.