davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

We did a XXXX in XX/XX/XXXX, our loan was later purchased by Nationstar. We have complied with all terms and have had early payments for all 6 years, and have received annually the XXXX incentive credit on our account each XX/XX/XXXX for 5 years. We have now reached the XXXX anniversary of our trial ( XX/XX/XXXX ) and should be getting the final XXXX incentive. I was told 4 times by nationstar it would be applied in XX/XX/XXXX XXXX specifically the XX/XX/XXXX ). It was not. they are now saying " XXXX ''. However, we have intended to pay off this loan and specifically waited until this amount would be applied in XX/XX/XXXX. Our loan will be paid off in appx. 10 days. I believe they are intentionally delaying so the loan will be paid off and no incentive payment will then be paid.
Consumer complaint received 2023-11-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (SC)

I listed my property for sale in XXXX and it went under contract quickly. The closing attorney requested a copy of the title showing Mr. Cooper as the lien holder. According to the SCDMV XXXX XXXX XXXX was still named as the lien holder which I never had as a lender. My closing attorney said they needed to get a duplicate title from the DMV naming Mr. Cooper as the lien holder. I have been in contact with several people at Mr. Cooper concerning this since XXXX. XXXX XXXX has been the primary contact. I also spoke to a XXXX in the escalation department. For a week I have left voicemails with both people and have not been called back. I explained that I can not afford to pay two mortgage payments and that I need to sell my property ASAP. This has held up the sale of my property for 3 months now. I call them at least once a week and get the same answer that nothing has changed. This property was purchased in XXXX and Mr. Cooper has had it since I believe XXXX. The title has never been changed in XXXX XXXX and no one can tell me who the XXXX XXXX XXXX is and why they are on the title. Mr. Cooper has failed to get the paperwork completed and filed when they took this loan over and now I am suffering for their mistakes financially. If you own a mobile home, I would check to see if the title is correct. My attorney told me this is very common for Mr. Cooper to NOT have the title in order and is why he always requests a title before proceeding with a closing.
Consumer complaint received 2023-08-09
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. (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. 

Account name : XXXX XXXX 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.

This Debt is not mine, I have reached out to this company for validation with no response. They are reporting inaccurately on my credit report, this company and the company they collect for are reporting as if I owe them a debt and I have never heard of either of these companies and I have never agreed to pay them anything. As in the above mentioned laws in accurate information must not be reported erroneously on a consumer. If so it must be deleted.
Consumer complaint received 2018-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (FL)

My loan service provider, Great Lakes Higher Education Corporation & Affiliates ( " Great Lakes '' ), has refused to calculate my payment amount based upon my adjusted gross income ( " AGI '' ). Instead, Great Lakes is calculating my payment amount based upon my reported income on my XXXX. By doing so, Great Lakes has improperly increased my monthly payment by a significant amount. 

I am eligible for the Pay As You Earn ( " PAYE '' ) repayment plan. I have submitted all required paperwork for the PAYE plan. Calendar year XX/XX/2019 is my third year in the PAYE plan. 

Pursuant to Section 4B, Line 11 of the IDR Plan Request, OMB No. 1845-0102, I am required to submit my most recent Federal Tax Return with my request to remain in the PAYE plan. As in years past, I logged onto the StudentLoans.gov website to  submit my application. This in turn redirected me to IRS.gov,  whereby I authorized the IRS to electronically transmit my Tax Return to Great Lakes. IRS, U.S. Department of Education, and Great Lakes have provided email confirmation that Great Lake received my tax return. Further, I have verbal confirmation from multiple Great Lakes employees of the same. Specifically, over the past three days, " XXXX, '' " XXXX, '' and " XXXX '' each confirmed receipt of my tax return. 

Nevertheless, Great Lakes requested a copy of my XXXX to confirm my wage information was incorrect. I provided a copy of my XXXX, which confirmed the accuracy of my tax return. However, Great Lakes has now taken the position that they retain discretion to reject my tax return and calculate my payment amount based upon my XXXX wages, and not my AGI, as required by the U.S. Department of Education. Importantly, my AGI amount is lower than my XXXX wage amount, and using my AGI to determine my monthly payment amount results in a lower amount than using my XXXX wage amount. 

I have spoke with Great Lake multiple times in an attempt to resolve this issue. But Great Lakes is unwilling to process my request in accordance with the requirement under PAYE. Moreover, Great Lakes is unwilling to process my request in a manner similar to years past. 

I have ample supporting documentation, and can provide the same as necessary.
Consumer complaint received 2022-10-19
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. (NY)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXXXXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX  ( Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

I obtain my free annual reports every year through the annualcreditreport.com. I have never been able to get my report from Experian and instead get an error every year. When I tried to log into their website to request it there, I got an error accessing the site after logging in and have been unsuccessful in requesting more information from them. I have not had this experience with XXXX or XXXX and have logged into their accounts fine to dispute small changes in the past without any errors. 

Experian says that you have to mail them your social security number with all of your personal information, which I am not comfortable doing. Not to mention it isn't free if you have to buy stamps to communicate with them to get it every year. 

I would like to report them because upon searching reddit and other sites online I see that many people are having this issue and that it seems they are purposely doing this to avoid giving an actual free report.
Consumer complaint received 2023-06-15
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. (NV)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-11-10
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)

In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX  XXXX Balance Owed : {$300.00} ; XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Upon the information provided from the dispute, XXXX XXXX XXXX XXXX is in violation of report inaccuracies on my credit files. The documents they sent to me had a wrong social security number and address. How is this company reporting anything to my credit files with wrong information? The contact they sent, they blocked out the social security number, so how is that proof its my account?? On the original contract the social security number is wrong thats why they blanked out the information on the contract. This is illegal and this is not the right way to conduct an investigation. This company also sent me a check that does not have my information on it nor is it my account! The check did not have my signature on it. The contract they sent me also had a forged signature on the contract. The signature does not match mines someone signed that contract without my consent. Per the FRCA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Per the FRCA 1022.82 ( d ) ( 2 ). You have reported an address to my credit files that has not been verified.
Consumer complaint received 2022-10-19
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 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
Consumer complaint received 2022-10-19
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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
Consumer complaint received 2023-12-30
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (NV)

I'm in receipt of a data breach notice from my mortgage company, Mr. Cooper. 
As a result of the data breach they are offering XXXX yrs of a single bureau monitoring. I believe that this an inadequate response to the data breach. They are required by law to offer adequate safeguards for the data the are entrusted with. As a consumer, I would like a more intentional response to this and request they be made to provide 2 years of waived mortgages on my loan ; this is a more appropriate response to failure to adequately safeguard my protected information. After all, this isnt the first time they have failed consumers in the mortgage arena.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

I have tried on multiple occasions to contact XXXX XXXX XXXX due to an amount reporting on my credit report. The property was sold to another owner and I have not been able to get in contact with anyone to discuss this matter. I have contacted the collection agency XXXX XXXX, and the representatives are very rude, and are telling me I am responsible for the debt. I sent a debt validation on XXXX and have not recieved a response yet. Made numerous phone calls explaining to them this is effecting me tremendously, and the amount showing is not accurate.
Consumer complaint received 2022-10-19
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)

n accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am trying to access my credit file via myequifax.com. I try to login and get a message that tells me I can not login and to contact their Customer Care Team. Ive called multiple times since XXXX and all they tell me is that they have to escalate my issue to a backend team but no follow-up occurs or resolution. 

Post last complaint filed, they stated they need to verify my identity to provide access. I've since provided the requested information via mail and email ( XXXX ) with no response or updates. This is ridiculous and should be a simple fix yet no one is responding from their end.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (GA)

I tried to resolve the debt by dispute on my credit report. They sent me a letter from a lawyer stating that i owe this debt. I have no knowledge of this debt. Ive tried several times to get this done. The amount in the letter says i owe XXXX. But with late fees and other fees it came to XXXX. The original debtor is XXXX XXXX  i have been a victim of identity theft and by their action to report this item is hurting my credit score. I would like for this to be resolved soon because I want to purchase a home the first of the year. Please remove this item from my report as soon as possible.
Consumer complaint received 2022-10-19
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-10-19
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2018-12-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2018 I wired money to XXXX XXXX where I had lived and had a business before, and I still have a bank account with XXXX XXXX  in XXXX. The amount of money I asked to be wired was {$85000.00}. and the money which was wired to my bank was the amount of {$68000.00} EURO. At the time of the transfer I was very sick and just had a XXXX. So, I was not able to calculate the transaction amount and myself. I asked the banker who did the wire transfer for me " how much is the rate? " the lady sad " I do not know and it is my fist time doing this. '' When I came back home from XXXX and visiting my family and got better and i was thinking more clearly, I calculated the amount and shocked to see how the bank has cheated me and the rate that I was charged was not a correct one. So, I went to the bank and asked a banker to put a complaint and inquiry about the wire. She did filed a complain and in a few days I got a call from the bank saying the rate is correct and if, I need further clarification to see the paper work I have to bring a sphene from the court. 

I called and wanted to talk to the CEO or someone who could help me with this matter, no one was coperating with me and I was told repeatedly to bring a sphene. I wroter to the board of directors a couple a of times and they all were unresponsive and uncooperative, and was redirected me to the same secretary. 

Attached please find copies of my correspond with the board of directors and my letters. Thank you for your time and consideration. 

Regards, XXXX XXXX
Consumer complaint received 2018-04-18
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. (FL)

I've disputed with the credit reporting agencies that Bankruptcy # XXXX and # XXXX does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX  installment loan XXXX XXXX XXXX XXXX XXXX have requested for sign agreement for both the apartment lease and the installment loan and have recieved no reply since 3month and they have fail to provide any other agreement sign by me and refused to remove it from my report
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: EQUIFAX, INC. (HI)

Inquiries due to identify theft/fraud. Equifax did not help or remove hard pull inquiries after sending letters and correspondences. 

DATE OF INQUIRY COMPANY ADDRESS XX/XX/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