davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I received a notice from XXXX XXXXS, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.
Consumer complaint received 2024-03-29
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. (TX)

According to 15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax is in violation of my rights by failing to comply with my request to provide written verification on the below accounts, I'm entitled to fair credit reporting and at this moment my rights are not being fulfilled.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The Experian and XXXX and Experian Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Experian are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-07-18
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated a written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : 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
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

When I set up autopay for the XXXX XXXX credit card through Bank of America, I was presented with four options : 1. Amount Due 2. Minimum Amount Due 3. Account Balance 4. Fixed Amount I selected Amount Due, thinking I would pay the entire balance due. Rather, I was charged the minimum amount due, and was charged interest on top of that. 

Essentially having two options to pay the minimum amount due using different phrasing is misleading and to me, which I see as an intentional way for the bank of trick the customer into paying interest. 

I spoke with an associate to reverse the charges, and they agreed to do so, but as a principal of the matter, it shouldn't be this confusing to set up autopay. I would like for BoA to change these options so that future customers aren't scammed into paying an interest fee, especially when the customer 's initial intention was the pay the balance in full.
Consumer complaint received 2015-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I have previously filed a complaint that is still pendingresolution. My new complaint is Nationstar Mortgagedisbursement of my last month payment. They appliedall my payment to the principle, added late fees and nowwant 2 months payment. They are charging me escrowfor insurance I pay for directly to my insurance company. 
I have many other complaints with Nationstar but firstI need to get my mortgage payment corrected
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. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

We are being harassed by Nationstar Mortgage with unsolicited correspondences and threats from them. On XX/XX/XXXX, Nationstar sent a letter threatening us with force-placed insurance. They state our insurance has expired ; which it has not! In a letter of XX/XX/XXXX,  Nationstar, in a letter to CFPB, Nationstar writes " we are appropriately listed as mortgagee on your insurance policy ''. This makes the letter of XX/XX/XXXX bogus and fraudulent. As a courtesy, I have responded to them by mail with USPS tracking. 
Since then, I have received 2 additional letters suggesting I have contacted them for information. This is untrue. I have not written to them nor do I intend to. These letters are unsolicited. 

Nationstar is under a consent agreement order with the CFPB for irregular bookkeeping ; it appears their records are in non-compliance with this order. 

They still have not responded to my feedback from the previous complaint.
Consumer complaint received 2022-12-08
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. (NY)

I did not give consent for this company to use my personal information for any reasons and by doing so have violated my rights and privacy. Not Only did they use my information they also used inaccurate information at that, damaging my reputation. The Company I am Referring to but not limited to is XXXX, Credit Bureau Company.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NY)

I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I called XX/XX/XXXX to change my new address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My new address was never changed on time. I never received my XXXX statement and I received XXXX statement after the due date, which was XX/XX/XXXX. I sent the payment immediately, then I called them. They were able to waive the {$25.00} late payment, but they still own me $ XXXXlate fee. I have excellent credit score, XXXX plus and my credit score decreased. I want them to restore my credit, I dont have to pay the consequences for their negligence.
Consumer complaint received 2022-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

This is my third complaint concerning SPS! Through your assistance they have been very helpful, but it appears that all of the paperwork they have sent me which included a reduction in my mortgage payoff and a XXXX release of the 2nd mortgage has been completely ignored by their attorneys. The attorneys for SPS have stated the payoff amount of $ XXXX is the one their clients recommended and if it needs to be changed to contact their bankruptcy division because of the XXXX XXXX. A representative from Title Team contacted the bankruptcy division today ( XXXX ) and was informed that the payoff will not be changed unless my bankruptcy attorney submitted paperwork from the court stating the changes which were approved through their customer advocate were approved through the court! The attorneys for SPS are unwilling to help or even take action on the paperwork submitted. This has been ongoing since XXXX and the individual purchasing my home is growing very impatient. I ask that SPS provide an accurate payoff to their attorneys so that I can finally sell the home!
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. (IL)

I have disputed unverified, unauthorized, and fraud related inquiries in XX/XX/2023, XX/XX/2023, and XX/XX/2023 on my Transunion report. As of today, Transunion has failed to respond to my dispute letters and the unverified, unauthorized, and fraud related inquiries are still on my credit report.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Acct # XXXX I have tried numerous times to reach out to Shellpoint mortgage to escalate the payments from XXXX. These payments are sent every month at the end of the month for the following month. I am now missing two payments. The payment for XXXX sent to previous mortgage company ( XXXX  ) received on XX/XX/22 was a missing payment that has never been applied. I was told previously by XXXX XXXX that this was found and going to be applied but never has. This has caused my account to show 60 days late. The current payments that are being sent are taking 30 days to be posted to my account as well. I have tried reaching out and explaining this but get no response as to when this matter will be handled. Since this missing payment has never been applied it is causing the payments coming through to post to the month prior.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (MI)

Date : XX/XX/2022 Time : XXXX Amount : {$6.00} Website Given : XXXX Date : XX/XX/2022 Time : XXXX Amount : {$4.00} Website Given : XXXX This one gave a fake fraud number : ( XXXX ) XXXX I checked my account on XX/XX/2022 when I noticed I was missing money. Upset, and trying to figure out where it went. I called my cards customer service number and they gave me all this info I'm sharing with you. The top one is a dating site. The last one, I have no clue. After contacting both, the date site wouldn't reveal who it was. The bottom, they wouldn't reveal and gave me another customer service number that were supposed to be to the fraud department. Instead, it was to some XXXX XXXX customer support. The number given was ( XXXX ) XXXX. They kept avoiding my questions and trying to get more personal info I would not share.
Consumer complaint received 2018-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MO)

I have been involved in a predatorial loan For18 years now I purchased my home from an gentleman that does not exists as well as the bogus Company he used that no longer exists however when I purchased my home in XX/XX/XXXX for XXXX with a second mortgage of XXXX to be paid to the gentleman in which I tried to contact several times after closing would not respond to me for payment he sold my home to me for XXXX XXXX XXXX XXXX with a company name of XXXX XXXX after I closed on loan a new loan was filed three months later in the XXXX XXXX XXXX public records for XXXX on my property in which there is not a property within 25 miles of my address that apraises out for that much I did not find out for serveral years later however I was in a adjustable rate and needed to get out of I.T I  refininced in XX/XX/XXXX with a lady XXXX XXXX in which she was known for fraudulent mortgage loans in which she led me to believe that in the refinicing that there was no more second out of adjustable rate so XXXX XXXX would no longer be addressed on my deed however he still is on my deed to this day he doesnt exsist and my loan has been sold over six times and none of the Companies dont hold the deed to my home but yet they try to foreclose with so much fraud before theyve gotten my loan I purchased my home for a total of XXXX in XX/XX/XXXX and today I still owe XXXX for my home Iive in and been in 18 years now I have applied for modifications numberous time was at 13 percent interest rate from XX/XX/XXXX til XX/XX/XXXX was denied in serveral ocassions as well as did not pay mortgage for over seven to nine years because I dont know whom I paying to or if I could ever own my home individually and without someone else that doesnt exsist listed on my deed I am now with Nationstar in which is Mr . Cooper I jus would like to see how I could go about getting a loan forensic to bring some of this fraud to the open