davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C Section 602 A.

States I have the right to privacy. 15 U.S.C Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the late payment entries on my credit report related to the following accounts : Account name : XXXX Account Number : XXXX I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that pertain to these late payment entries : 1. Violation of 15 USC 1681a : These transactions and experiences should be excluded from my credit report as they involve interactions between the creditor and myself, and they should not be reported.

2. Violation of 15 USC 1666B : The creditor did not send me a statement within 21 days of my payment, which constitutes a billing error. Consequently, reporting these payments as late is inaccurate and a violation of my rights.

3. Violation of 15 USC 1681b : I have not given written permission for the reporting of these accounts to my consumer report. This is a violation of FCRA, which requires consent for such reporting.

Furthermore, FCRA mandates maximum accuracy in a consumer report according to 15 USC 1681e ( b ). The late payment entries on my credit report do not accurately reflect my payment history.
Consumer complaint received 2018-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX XXXX ORGANIZED A COMPLICATED FRAUD COVER UP IN XX/XX/XXXX WITH NTIONSTAR MORTGAGE. ~ NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD AND EMBEZZLEMENT / MISAPPROPRIATION OF FUNDS OCCURED AT XXXX XXXX AND XXXX XXXX WHEN XXXX XXXX WAS CONFRONTED AND CAUGHT ... THEY SOLD THE LOAN TO NATIONSTAR *** NATIONSTAR REQUESTED THE PROPER LOAN DOCUMENTS TO PROVE THIS WAS NOT A FRAUDULENT LOAN .. AND INSTEAD GOT AN ORGANIZED CRIMINAL COVER UP ORCHESTRATED BY XXXX XXXX 'S VICE PRESIDENT, XXXX XXXX XXXX XXXX XXXX NEVER PRODUCED THE DOCUMENTS NOR DID THEY DEFER OR REFUSE TO COMMENT AS UNAUTHORIED 3RD PARTY IN XX/XX/XXXX ... ALTHOUGH LEGALLY THEY SHOULD HAVE AND FORCED NATIONSTAR TO CANCEL THE LOAN DUE TO NOT HAVING THE PROPER DISCLOSURES OR LOAN DOCUMENTATION *** XXXX XXXX LIED TO THE CFPB AND THE CONSUMER IN XX/XX/XXXX AND XX/XX/XXXX AND MISLEAD BOTH OF THEM ON HOW THE REAL ESTATE SETTLEMENT PROCEDURES ACT WORKS WHEN ENFORCED *** YOU CAN NOT MISLEAD A CONSUMER ... YOU CAN .NOT LEAVE OFF LENDER REQUIRED ITEMS TO MAKE A PAYMENT APPEAR LOWER *** WHEN ERRORS OCCUR THEY HAVE TO BE CORRECTED OR 100 % OF THE LOAN HAS TO BE CANCELLED ... IMMEDAITELY ... WITHOUT QUESTION, HARASSMENT, EXTORTION OR ANY FURTHER COLLECTION ATTEMTS OF ANY KIND *** THIS IS COMMON SENSE AND IT IS THE LAW IN EVERY INDUSTRY*** NATIONSTAR HAS NOW LOST THEIR STAR WITNESS ... XXXX XXXX KNOWS SHE BROKE THE LAW AND NOW REFUSES T COMMENT *** NATIONSTAR KNOWS XXXX XXXX BROKE THE LAW *** NATIONSTAR BROKE THE LAW BY COVERING THESE FACTS UP *** AND NOW EVERYONE IS HIDING FROM EACH OTHER HOPING WE JUST GO AWAY ... THERE IS A 0.0 % CHANCE OF ME GOING AWAY WITHOUT JUSTICE IN THIS CASE ... I FOLLOW THESE LAWS EVERY DAY ... I EXPECT EVERYONE ELSE TO DO THE SAME WITHOUT QUESTION ... ALWAYS XXXX XXXX ANSWERED THE PREVIOUS COMPLAIBTS FALSELY AND ENTHUSIASTICALLY ... SO WHY BE COY NOW??? YOU BROKE THE LAW,,, FACE THE CONSEQUENCES. I CAN NOT SELL STOLEN GOODS OR MISLEAD PEOPLE BY HUNDREDS OF THOUSANDS PF DOLLARS ... AND NEITHER CAN THEY. WE ALL FOLLOW THE SAME LAWS ... SOME OF US JUST NEED FINES AMD PRISON TIME AS REMINDERS. WE HAVE PROVEN FRAUD ... NATIONSTAR CONFIRMED FRAUD AND LATER COMMITTED THEIR OWN FRAUD ... SO WE ARE EXERCISING OUR RIGHT TO IMMEDIATE LOAN FORGIVENESS. IF THEY REFUSE TO COMPLY ... I ALSO WANT THE RECORDING MADE OF MY XX/XX/XXXX-XX/XX/XXXX PAYMENTS AND XX/XX/XXXX TO XX/XX/XXXX PAYMENTS IN XX/XX/XXXX ... WHERE NATIONSTAR COMMITTED WIRE FRAUD BY TELLING ME THEY WERE APPLYING PAYMENTS TO MY ACCOUNT WHILE SIMULTANEOUSLY STEALING THEM AND NOT PAYING PRINCIPAL AND INTEREST FIRST AS REQUIRES BY THE RESPA. ALSO ... WE HAVE ESCROW FRAUD IN XX/XX/XXXX. I IMMEDIATELY PAID THE ENTIRE ESCROW SHORTAGE FROM THE ANNUAL REVIEW OF XX/XX/XXXX AND IMMEDIATELY GOT A DEMAND LETTER FOR MORE MONEY AND ANOTHER ESCROW SHORTAGE ... THEY CONTINUE TO USE COMPUTER FRAUD TO STEAL $ $ $ AND LEAVE CONSUMERS STRUGGLING TO KEEP UP WITH THE CONSTANT DISHONESTY.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

About two years ago I received a letter from Wells Fargo Bank asking me if I received a settlement check already. I called Wells Fargo and asked them to send me the check. When I deposited in my XXXX account ( Wells Fargo is no longer my bank ), it was returned with a notice : Refer to Maker. For quite a while, I did not know where I had put the returned check. When I found it recently, I tried to cash it at XXXX, but there was something wrong. I then called Wells Fargo and verified that the check would be honored at a Wells Fargo branch. But when I presented the check to the teller, he called the checking dept and was put on hold for XXXX minutes before he was told that they could not verify the validity of the check. The next thing I did was file this complaint. The amount of the check is {$54.00}. I believe that Wells Fargo is attempting to avoid paying off this settlement by playing these games.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the late payment entries on my credit report related to the following accounts : Account name : XXXX Account Number : XXXX I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that pertain to these late payment entries : 1. Violation of 15 USC 1681a : These transactions and experiences should be excluded from my credit report as they involve interactions between the creditor and myself, and they should not be reported. 
2. Violation of 15 USC 1666B : The creditor did not send me a statement within 21 days of my payment, which constitutes a billing error. Consequently, reporting these payments as late is inaccurate and a violation of my rights. 
3. Violation of 15 USC 1681b : I have not given written permission for the reporting of these accounts to my consumer report. This is a violation of FCRA, which requires consent for such reporting. 

Furthermore, FCRA mandates maximum accuracy in a consumer report according to 15 USC 1681e ( b ). The late payment entries on my credit report do not accurately reflect my payment history.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-13
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)

I am not liable for this debt with XXXX XXXX Account # XXXX, I do not have a contract and never signed a contract with this company and I have filed with the FTC AND IT IS ATTAHCED.
Consumer complaint received 2023-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc (ID)

I called about my account showing past due. I have made a full payment every 2 weeks and skipped one payment and was advised my account is 39 days past due, from XXXX. I have paid 3 more payment since that time and was told that it did not matter, if I did not pay 2 payments by the XXXX XXXX  XXXX my account is delinquent and would be reported as such to my credit report. I asked about how payments were being applied and was told this is just how the product work. I asked where I could find where I agreed to this and was told in the lending docs. I have review them all and nothing about not applying payments to the oldest balance. This loan is occurring interest every day. This just does not make sense. I asked to speak with a complaint depth or management, and was told I could email the company and maybe would get a call back.
Consumer complaint received 2023-09-13
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
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: Experian Information Solutions Inc. (LA)

This is XXXX 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 2023-09-13
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 write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. 

Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments SEE ATTACHED DOC It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. 

It is clear that there are flaws in your systems or processes, as there should be no late payments recorded on these accounts. I maintain meticulous records of my payment history, and it is evident that the information you are reporting is grossly incorrect. I urge you to investigate this matter thoroughly to understand the cause of these discrepancies and take the necessary steps to ensure accurate reporting moving forward. 

These inaccurate late payments not only have a negative impact on my creditworthiness but also hinder my ability to obtain the credit I am seeking. I have sought advice from credit experts who have informed me that credit bureaus have a legal obligation to report accurate credit information. The inclusion of such erroneous data in my credit report is a clear violation of those legal obligations and is detrimental to my financial well-being. 

I want to emphasize the seriousness with which I approach this matter. The damaging effects of inaccurate negative information on my credit report are far-reaching, and I will not relent until these errors are rectified. I expect swift action from you to remove this inaccurate information without any further delays. Failure to do so will leave me with no choice but to explore all available legal options against both your organization and the reporting creditor. 

I kindly request that you provide me with written confirmation of the correction made to my credit report, along with an updated copy of my credit report reflecting the necessary amendments. I trust that you will handle this matter with the urgency and professionalism it deserves, as it is essential for the integrity of the credit reporting system and the rights of consumers like myself. 

I eagerly await your immediate response and a resolution to this ongoing dispute.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

Resurgent Receivables negative report on my account droped my credit score when they didnt have the right to collect on the debt and they were told i payed credit one bank the money. 
Ucc 3-105, ucc3-104, in accordance with 12 usc 361. These companies XXXX Resurgent Receivables LLC and Credit one Bank ) received such tender and notification to credit/discharge the accounts for the benificary of XXXX XXXX XXXX XXXX XXXX The instruments were taken and never returned in a timely fashion as stipulated in the cover letter and is therefore commercially Accepted. 15 usc 1682 s-2 please stop harming me financially. 31 usc 5118. Stop demanding cash from me as it violates my Article 1 section 10 clause 1 right.

Stop hurting my credit when you received a form of payment you XXXX XXXX
Consumer complaint received 2023-09-13
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, First Progress clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED BANKSHARES, INC. (DC)

I requested {$500.00} from a, United bank ATM, but I was shorted {$120.00} dollars. This was on, XXXX the XXXX of this year. I filed a complaint with the bank, and I was rewarded my funds back, but then the cash was taken again.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Due to the change in US tax law, I has requested that Mr. Cooper paid the 2nd installment of property taxes from my escrow account prior to year end XX/XX/2017. I was informed by customer service rep that Mr. Cooper would be paying those taxes for all CA residents. When it was apparent I was lied to by Mr. Cooper reps I went ahead and paid those taxes directly. 

I was given instructions to email a copy of the paid taxes and a brief note requested a reimbursement, which I did the first week of XX/XX/XXXX. After more than a half dozen calls to the customer service department, which has absolutely no idea what they are doing and simply resort to lies to appease the customer, they can not tell me when I will receive the reimbursement from my escrow account. 

I have talked to multiple reps and supervisors including more recently, XXXX XXXX and XXXX XXXX in Texas.They have been useless and unequipped to resolve a very simple matter. 

Mr. Cooper needs to reimburse me {$3600.00} from my escrow account.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I requested through certified mail on XX/XX/2023 for verification of the debt and verification that I own the debt. Lvnv received the certified mail on XX/XX/2023. They have provided me with only a report summary which is not proof of ownership and the right to collect on the debt, they have also failed to provide me with a purchase agreement to allow me to verify who has and does own this debt and if and how they can collect on this debt.
Consumer complaint received 2018-02-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Have 3 complaints.1. I was behind on my mortgage so I called on XX/XX/XXXX for a restatement amount. I was told that the reinstatement amount had to be requested from the foreclosure attorney and it would take 4 days to receive an answer. I waited until XX/XX/XXXX and called Nationstar/Mr. Cooper back their representative told me the new reinstatement amount was not ready due to The XXXX XXXX XXXX XXXX Holiday and for me to call back the next day. I called back on XX/XX/XXXX and their representative told me my reinstatement amount was {$10000.00}. I immediately wired the amount I was told. I called back on XX/XX/XXXX and confirmed Nationstar/Mr. Cooper had received payment and confirmed for the second time my mortgage was paid until XX/XX/XXXX. On XX/XX/XXXX I received a call from the automated system that my mortgage was due. On Saturday, XX/XX/XXXX I spoke to another representative who told me that she would have a manager call me back after they reviewed the two previous calls on Monday XX/XX/XXXX. After not getting a callback ; I called again on Wednesday XX/XX/XXXX a third representative confirmed that I was paid through XX/XX/XXXX. I asked to speak to a manager and  request a confirmation letter that I was paid through XX/XX/XXXX. He asked if he could call me back in hour and half a week ago. Today is XX/XX/XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.