davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (SC)

I have just been issued an order to leave my property in  two  weeks to  ten  days.   XXXX   XXXX   XXXX     dropped my loan in   XXXX   XXXX   XXXX     without cause. I continued to pay my mortgage once they found the account in  XXXX . In    XXXX   XXXX   XXXX  ,  they refused to account my payments to the mortgage through   XXXX   XXXX   XXXX  . By    XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX    r emoved for a new mortgage lender NationStar that refused my information ( personal and property ) for not being conducive to what   XXXX   XXXX   XXXX    h ad sent them in the sale. I have been under ID Fraud and  Credit Fraud s ince    XXXX   XXXX   XXXX    ( documented and proven at     XXXX   XXXX   major credit reporting agencies on background and credit and account fraud affects ... starting with my primary bank account at  XXXX   XXXX  ). Nationstar was adding to this problem. I have an HOA that tried to move a Foreclosure in    XXXX   XXXX   XXXX   for l ess than  XXXX  owed.  Nationstar  tried to collect back debt for   XXXX   XXXX   XXXX     and    XXXX   XXXX   XXXX    d enied that they were.  Nationstar  moved a Foreclosure for   XXXX   XXXX   XXXX   ,  was removed and moved another one on their own against myself and the HOA.  The County  Commissioner finally held a sale and put my house under    XXXX   XXXX   , no one has room for recovery under ID Fraud and Theft, including   XXXX   XXXX   denied me Unemployment last year as  a    XXXX    XXXX   XXXX   XXXX   XXXX   that worked mainly out of state in  XXXX  ( also remotely ) in  XXXX .
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. (NC)

In accordance with the provisions set forth in the Fair Credit Reporting Act, I would like to bring to your attention that the list of accounts provided below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 U.S.C 1681. 
1. XXXX XXXX XXXX  account # XXXX has violated my rights. 
2. The XXXX XXXX account # XXXX has violated my rights. The Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 602 A, asserts my fundamental right to privacy. Additionally, 15 U.S.C 1681 Section 604 A, Section 2, stipulates that a consumer reporting agency can not furnish an account without obtaining my written instructions.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is stated that no consumer reporting agency may include certain items of information in a consumer report. Specifically, it prohibits the inclusion of any adverse item of information beyond records of convictions of crimes that precede the report by more than seven years. 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ) states when a consumer disputes the accuracy of information in their credit report, the CRA must thoroughly examine the evidence and documentation provided by the consumer to support their claim. Lastly, as per 15 U.S.C. 16815-2 ( A ) ( 1 ), it is mandated that no person shall furnish any information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.

I kindly request your prompt attention to these violations and seek your assistance in addressing and REMOVING these issues in accordance with the Fair Credit Reporting Act.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( F ) : Reporting information during COVID19 pandemic
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. (NJ)

I am reporting that transunion, XXXX, and XXXX are improperly reporting student loans to my credit report. 

20 USC 1232g ( b ) The Family Education Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of my student education records..

I would like these 12 student loan accounts removed from my report immediately! The loans are from dept of education/aidvantage.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Told them account not mine Asked for proof Sent me back information thats not mine and the social they have is wrong and phone numbers on here is also not mine I sent copies of identity theft and police report and And now im sending proof of correct social and ID. Again!!!!!
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I have met XXXX XXXX on XXXX and later moved to XXXX to continue communication. XXXX XXXX indicated that she is a analysist for XXXX  in XXXX XXXX, introduced me to XXXX XXXX ( customer service rep ) and persuaded me to enter as partners in to a forex account at XXXX XXXX XXXX XXXX XXXX XXXX under XXXX  for foreign exchange account. in doing so a series of wire transfers were made, including service fees to the account from my bank Wells Fargo to fund the investments. 

XXXX {$5000.00} to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$15000.00} to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Once the account started to make some profits, I wanted to withdraw some money. I was told to pay service charges and then XXXX XXXX XXXX. Additional wire transfer were made, including services fees. 

XXXX {$6500.00} to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$4900.00} to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Needless to say, I never received the amount of withdraw requested and soon after, I lost contact with XXXX XXXX and XXXX XXXX. I have been a victim of fraud. 

this incident have been reported to the XXXX XXXX Police, report number XXXX and other agencies.
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. (NV)

The following information is fraudulent and doesn't belong to me. 
I demand immediate removal and blocks from these accounts and future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.
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. (NV)

The following information is fraudulent and doesn't belong to me. 
I demand immediate removal and blocks from these accounts and future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.
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: 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.

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 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX**** Balance : {$0.00}
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Fraud claim filed on XX/XX/. Our mail was stolen at work and as a result a check for XXXX was fraudulently cashed at an ATM by the criminal. 

We were told that the claim would take XXXX days which we are essentially at right now. 

XXXX XXXX XXXX is the bank that cashed the check. My bank, Wells Fargo, has reached out to XXXX XXXX XXXX to seek reimbursement so that WF could give us out stolen money back. 

I have reached out to WF again to request status but have not received any response. 

I have no account at XXXX XXXX XXXX so they wont talk to me. They did however give me a XXXX XXXX XXXX claim number XXXX so Im hoping that you can reach out to them as well. 

We are a small family owned business and this money is greatly needed to help us keep our doors open.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NV)

Yes I have already called you guys and talked about a recent frad activity but why am i seeing a charge back? is there some sort of mistakes? for this transaction? Posted Transactions XX/XX/21 XX/XX/21 XXXX XXXX XXXX # XXXX {$290.00} this is not mine transaction
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (OK)

1. Nation Star Mortgage wrongfully denied me for the HAMP program. They stated that I did not turn in the IRS XXXX form, for myself and for the household contributor, on time, even if that was true it is not applicable. The IRS XXXX form is to show taxes filed for the past three years. But because I and the household contributor receive XXXX social security income only, we do not file taxes. Nation Star admitted that we provided that proof in a letter dated XXXX XXXX, 2016 where they write a current award letter for fixed income that shows the amount frequency and duration of the benefit income, was received for me and the household contributor. 2. I sent them proof for myself the Social Security income I receive for XXXX before XXXX XXXX, 2016 and it was accepted. Since I am on XXXX I do not pay taxes. The same applies for the household contributor. The XXXX form was not necessary for my application because it did not apply to me, yet it is the reason that I was denied assistance. I, the borrower, and the household contributor have been on XXXX for over three years and the award letter states how long that we have received it. The XXXX form only shows the past three years and our award letter shows over three years. 3. The reason that me and the household contributor are on XXXX is because we are not able to work a job. We explained this to Nation Star and gave them strict proof. In a letter from XXXX XXXX, 2016 they admitted that they received a current award letter for fixed income that shows the amount frequency and duration of the benefit income. 4. Nation Star Mortgage increased my monthly house payment amount by {$310.00}. It went from {$1400.00} to {$1700.00} and they never notified me about the increase and still has not provided any proof that I was properly notified concerning the increase of my mortgage payment prior to the increase thereof. 5. In conclusion, I have attached a letter from XXXX XXXX, 2016 stating that the award letters were accepted for me and the household contributor, which shows our only income for over the past three years. We receive XXXX income from Social Security, which is not taxed, and no requirement to file taxes. This was thoroughly understood by Nation Star Mortgage. Therefore, the XXXX form was not needed nor applicable to my application. This should have given Nation Star plenty of time to process the information before XXXX XXXX, 2016. I am also requesting that they send proof that I was properly notified about the mortgage increase. I want them to tell me why my mortgage increased.
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. (GA)

XXXX XXXX Date of Birth XX/XX/XXXX SSN # XXXX Date : XX/XX/XXXX This letter is in regards of a dispute with Transunion After ordering a copy of my credit report I have notice that its inaccurate information on my credit report. And I have/had know knowledge of these accounts.

In accordance with the Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # : XXXX This account reporting is in violation of 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 an 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 2023-09-13
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. (VA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
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: Experian Information Solutions Inc. (SC)

This is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (CA)

This complaint is my follow-up prior to my last complaint dated XX/XX/23 to ensure that these items are deleted : XXXX XXXX XXXX XXXX XXXX CA 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 Balance : {$880.00} XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$1600.00}
Consumer complaint received 2023-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I just cant understand this company has to come eith differents regulations now they said according to Respa they think people never will try to investigated like me I will send you a break-down of chargers that you told them to apply to client like me
Consumer complaint received 2015-03-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (OR)

In XX/XX/XXXX I purchased a hearing aid from XXXX XXXX of XXXX XXXX. My payment loan was through XXXX. Late last year, XX/XX/XXXX I learned that XXXX XXXX had sold his company. Apparently XXXX sold or transferred my account to Synchrony Bank. XXXX XXXX did not inform his clients he was going out of business. XXXX did not inform me my account had been transferred to Synchrony Bank nor did Synchrony Bank they acquired my account. In the meantime a payment in full due date had arrived. With the passing of that due date Synchrony Bank now wants a {$500.00} penalty fee. Synchrony Bank attempted to contact me via e-mail several times. However, in this day and age of identity theft, etc. I do n't respond to email from unfamiliar parties. Thus, I did not respond to Synchrony Bank. At least not until the XXXX or XXXX message. That is when I learned about the sale of XXXX XXXX and the transfer of my account. No one, not XXXX XXXX nor XXXX nor Synchrony Bank sent me any notice of the changes. I do not feel as though I should have to pay a penalty of {$500.00} plus late fees for a situation about which I knew nothing. 

Please advise, Thank yiou
Consumer complaint received 2024-03-12
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. (IL)

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, XXXX.This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.