davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Love, Beal & Nixon, P.C. (OK)

I have called several times this past year trying to ask who the alleged debt is for why they are continuing to garnish my wages when I have paid $ XXXX but last notice I received had the total a tad over {$4000.00} they can not find my name or SSN in thier system. 
They stopped in XXXX last year and did not start garnishing until XXXX this year as to work the system and let more fees add up. 
No one can tell me who the alleged debt is for or an approximate amount.
Consumer complaint received 2022-12-22
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX7 has violated my rights 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
Consumer complaint received 2018-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NC)

To whom this may concern, my name is XXXX XXXX. My girlfriend, XXXX XXXX and I live in XXXX, NC. 
We have a Sale Date on our house on XX/XX/XXXX. 
We have been going round & round with Nationstar Mortgage ; who has turned into XXXX XXXX XXXX, since XX/XX/XXXX. We tried repeatedly to get a mortgage modification for months and finally received one in XX/XX/XXXX. We made our 1st payment on the modification and 2 days before our 2nd payment was due, we received a letter stating that there was a signature missing on one of the pages. They were going to send me the page that hadnt been signed and told me not to make our 2nd mod.  payment until the error was corrected. That is where the nightmare with them started all over again. 
I continue to have the same problems & issues with Mr. Cooper as I always did with Nationstar. I have sent 2 ( two ) complete RMA Packages to them and its always the same old thing ; didnt receive, pages missing, can you resend, etc. 1024.41 ( b ) Receipt of Loss Mitigation application - A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. 
They have now scheduled a notice of sale for XX/XX/XXXX. We have done everything over & over to try and avoid this from happening again but they seeming are steering our property into foreclosure for what I feel is their own monetary gain and total disregard for us losing our home that we love. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) XXXX Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to protect mortgage borrowers from costly surprises and runarounds by their servicers. 
How is it that we are in foreclosure again when we have been sending and resending paperwork in to get the modification reinstated that got off track because of one missing signature? XXXX ( g ) Dual Tracking is prohibited. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure. CFPBs mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure, borrowers shouldnt be surprised by the start of a foreclosure proceeding until they have had time to explore all available options. 
They now tell me there is nothing they can do to postpone the sale date or modify the loan. Mr. Cooper Mortgage continues to violate the Dodd-Frank Consumer Protection Act. They have dual-tracked my mortgage while avoiding an opportunity to work out something rather than foreclosure on us. 
Please help us postpone the sale date of XX/XX/XXXX.  We would be devastated if they were allowed to foreclose on this property. PLEASE HELP!!! 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates (FL)

I had a wireless account with XXXX XXXX XXXX XXXX started in XX/XX/2022 and was cancelled end of XX/XX/2022. They misrepresented their services and their rates. Because I cancelled 3-4 day into new billing period the amount due was only supposed to be {$4.00}. I offered to pay this at time of cancellation but was told to wait for final bill. Unfortunately when the final bill arrived, the balance due was {$190.00}. This is incorrect! When I called XXXX to inquire, they told me the balance was XXXX ( XXXX ) when I proceeded to ask questions the representative was very rude and hung up on me. I am disputing this bill.
Consumer complaint received 2023-06-03
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (AL)

I am writing to bring to your attention a matter of concern regarding the reporting of late payments to credit bureaus during the active period of the Heroes Act. 

According to Section 110401 of the Heroes Act, it clearly states that negative consumer credit reporting is suspended for an additional 120 days during this challenging time. 

Unfortunately, I have recently discovered that Freedom Mortgage Corp has reported late payments to credit bureaus in XXXX  despite the Heroes Act being in effect during the specified period. This action appears to be in direct violation of the protective measures outlined in the legislation. Reporting late payments during the active period of the Heroes Act contradicts the spirit and intent of this crucial consumer protection. 

I request that Freedom Mortgage cease reporting the unvalidated 30 day late payments promptly.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital one bank360 Spark business checking has a balance of negative $ - XXXX and my savings has only XXXX cents my transfer deposits XX/XX/XXXX {$1500.00} and same time anorher {$1500.00} deposit to my business checking totaling to {$3000.00} but because of the negative {$220.00} balance posted Reduced which i expect to {$2700.00} they hold my account force me to call the bank and told me they gon na closed my business checking and they will send my checking account balance through a check. Then XXXX I deposited {$770.00} and {$400.00} into my savings account after they Closed my checking account for some reason savings account balance was {$1700.00} and stays the same for months by XX/XX/2022 I am withdrawing {$1700.00} but I type in wrong amount I typed in {$1100.00} instead of {$1700.00} so I quickly hit withdraw again entering {$600.00} XXXX this but at the same time the screen of my phone is as someone controlling the system and sudden cause which kead to disappearance of my {$600.00} XXXX dollars and when I called... they lie by saying my total balance is only {$1100.00} surely it's a lie because it's been {$1700.00}. For months XXXX XXXX XXXX I know for the fact of countless log in log out and it is my money period .I know how much my saving they stole the {$600.00} it disappeared in front me while in a process of my XXXX withdrawal seconds apart from the first attempt was a success withdrawal but wrong amount while I was in the process of transferring {$600.00} XXXX this XXXX time remember the first withdrawal was a success but I put in the wrong amount and in the XXXX withdrawal suddenly it disappeared the amount you can't find any traces of {$600.00} is gone. They stole it honestly saying here in CFPB.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (NV)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last XXXX I requested an investigation because I felt the item was not being reported legally. XXXX of XXXX ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation for below account! If you can not provide a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws this account must be deleted from my Equifax credit report immediately. 

XXXX. You are in violation of XXXX XXXX XXXX XXXX XXXX XXXX or personal information should not be on my report Untitled Account Number : XXXX XXXX XXXX XXXX ( XXXX ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX
Consumer complaint received 2022-11-29
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: Experian Information Solutions 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 # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX  Account # : XXXX, Account Name : XXXX XXXX  Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX has violated my rights. 

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 2022-11-29
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 2022-11-29
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: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (WI)

Our mortgage was sold from XXXX XXXX XXXX to Mr. Cooper ( Formerly Nationstar ) and we have been trying to get a loan modification since XX/XX/XXXX due to a car accident where my wife was rear-ended and lost her job about 5 years ago. I have sent them requested documentation via mail and email ( at least 8 times ). I resent information today XX/XX/XXXX and we still do n't have an answer. This is by far the WORST company we have ever done business with. I needed to let you know so this company can be investigated, and hopefully this wo n't happen to others. My wife is going to be XXXX in XX/XX/XXXX and I will be XXXX in XX/XX/XXXX and we are to old for this kind of POOR customer service.
Consumer complaint received 2022-11-29
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. (NJ)

Despite XXXX  written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (NJ)

Despite XXXX  written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates (MI)

At XXXX on XXXX, XXXX, 2023 I received a robocall - an auto-dialer and recorded message - from LJ Ross Associates XXXX I was then connected with an individual who explained that the call was recorded and an attempt to collect a debt. 

My understanding is that using robocalls in the pursuit of a debt is illegal without express written consent.
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX Balance : {$300.00}.
Consumer complaint received 2022-11-29
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. 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 XXXX XXXX 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  .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX. Balance : {$360.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXX Balance : {$97.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$2000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$710.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like you to delete the accounts permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX