davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I have a mortgage with Nationstar Mortgage. I have been paying my mortgage balance every month. However, during last three months, the entire payment was posted to Escrow balance linked to my mortgage account twice. This resulted in getting several notices from the Mortgage company that I may lose my home due to non payment. This is very frustrating to deal with them over the phone with long wait times and had to email the mortgage company. However, by the time they waive late fees and apply payments correctly in subsequent months, it has already impacted my credit score.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (MN)

My house payment is due on the XXXX of the month and is not considered late until the XXXX. I paid {$500.00} at the end of XXXX and the remaining payment on XX/XX/year>. 
I received a phone call today stating my payment was late and they had assessed a {$67.00} late fee. I explained that it had been paid in full. The XXXX was able to find my additional {$500.00} payment from XXXX and told me they do not hold payments. I have paid the mortgage like this in prior months and it had not been an issue. A previous XXXX had even told me how to do this over the phone earlier in the year. 
The lady today told me they would remove the late fee as a XXXX time courtesy, even though the payment had been made. I requested to speak to a supervisor and was told there are none available and I would need to wait for XXXX to call me. 
This should not be allowed and we have no recourse.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/year> I attempted to transfer {$1000.00} from my chase XXXX bank account to my XXXX XXXX XXXX bank account. On Chase 's end the transaction appeared to be successful and the money was deducted from my bank account, however as of today I have not received the money in my XXXX XXXX XXXX account despite contacting Chase Bank and XXXX XXXX XXXX several times.
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 XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX. XXXX, XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # 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: 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX. XXXX, XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # 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 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

I have attempted to dispute information with Experian regarding what is on my credit report. I was told I was unable to dispute the balance on my report for my car loan and I would have to contact the lender for corrections. I indicated the other agencies have the correct balances and she said she still could not contact the creditor. I also told her I wanted to dispute the fact that my student loans are deferred and she said they are going to list open until they are paid off. I told her it appears that I have more accounts open than I actually do. I also wanted to dispute that charged off accounts purchased by other firms or transferred do not indicate that and it looks like I have XXXX negative accounts when in fact it is only XXXX. She said I do not know why your copy does not indicate transferred but it shows transferred on her computer. I thought what the consumer received was supposed to show accurate information and whatever was not accurate should be corrected. Experian appears to do anything and everything to avoid interaction with consumers. It is extremely difficult to speak to someone and then when you actually speak to someone they act as though they can not do anything for you. They offer an online dispute process ; however, they do not provide a means to actually submit an online dispute. I obtained my credit report and wanted to submit an online dispute but was not provided with the necessary confirmation # on my report to file an online dispute. So not being allowed to file an online dispute I had to call and do it over the phone ; however, everything I attempted to dispute was argued that it was not disputable. None of this is professional or appropriate when credit bureaus control every aspect of the lives of consumers.
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (TN)

I have loans with Sallie Mae. I attempted college while XXXX to try to get off XXXX. I havd to leave school because of my XXXX. Sallie Mae refuses to do XXXX discharge on my loans. I only draw $ XXXX month. My husband will be retirement age later this year and will retire. We will both then be on fixed incomes. The harassment will not stop even though I had my doctor do XXXX discharge paperwork last year. There is no way I will ever be able to work a job. Please help
Consumer complaint received 2017-03-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Consumer complaint received 2024-04-02
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. (NC)

Dear CFPB, My name is XXXX XXXX XXXX and I am writing to demand the removal of an inaccurate collection from my consumer report and compensation for my time and effort in disputing it. The account in question is XXXX  XXXX account # XXXX its showing on my consumer report without my consent. I have no contract with XXXX and have given no consent for the to use my name, likeness or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires Credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 621 of the FCRA which states 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 the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C. 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the reports relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX  Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under federal laws such as 18 U.S.C 1341 ( Mail fraud ) and 18 U.S.C 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my consumer report and also compensate me for my time and effort disputing it. Thank You for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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. (WI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$9800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (CA)

I have an account with Blockchain.com. I tried to transfer one XXXX ( cryptocurrency ) from my XXXX wallet to another wallet on XX/XX/2022 but the transaction is still pending as of today ( XX/XX/2022 ). I have reached out to their " support '' by email ( no other optional besides email ) multiple times and was told that my case has been forwarded to their internal department to handle. I was told that I was given a different support ticket # XXXX and the regular support team can not help me. They did not provide instruction of how to contact the internal team nor had anyone contacted me regarding ticket # XXXX. The price of one XXXX was about {$19000.00} when I initiated a transfer on XX/XX/2022 and the prices was {$16000.00} as of today. Please help! 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company is responding fraudulent, inaccurate information on my credit report. I have requested they send me the purchase agreement to show full ownership of the account and other documents so that I could verify that this account even belongs to me and they are trying to collect from the appropriate person.
Consumer complaint received 2023-08-03
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-03-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

When I printed out my 2015 Mortgage Interest Statement for my taxes, it included a Mortgage Insurance Annual Disclosure which explained my options for removing my PMI. I then followed up with the call center which conformed that if I had 80 % equity that the PMI would be removed, I would have to do another home appraisal from the lender. After the home appraisal, I had to contact the call center and also write to the company for the appraisal amount and also to see if the PMI got removed. The agent on the phone told me it has been removed, when I asked why my payment did n't change. I was placed on hold and then informed that the PMI will not be removed. I sent another letter contesting the results because that 's not what I was told or read, the bank is also advising me that I 'm responsible for the home appraisal after they told me that I ca n't remove the PMI two years. I will have the 80 % equity in my home within a few months and it should be removed as agreed. The bank is telling me I need 75 % now, different then what I printed and was told? They should n't advise there customers to spend money on an appraisal then send a letter saying you ca n't do anything for two years.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

Collection management 
XXXX owed 

Never received written information, 
This is identity theft 
Sent to validate debt , cant get ahold of anyone 


Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I had to re apply for a deferment I sent emails with the required documents, but  XXXX  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-04-02
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. (NJ)

Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/year>, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Consumer complaint received 2023-08-03
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. (FL)

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. 
By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. 
Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

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. 
XXXX Account # XXXX commonwealth financial XXXX common wealth financial, 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 2023-03-28
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. (CA)

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 U.S.C 1681 Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name 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.Section States : no consumer 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.