davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage have alleged they were transferred servicing of a loan that I owed in XXXX 2014. I have filed a lawsuit and voluminous amounts of complaints with Federal and State agencies referencing this debt collection. I have disputed this debt since they 've alleged they were collecting for XXXX XXXX XXXX XXXX. Most recently, I filed CFPB complaints referencing the debt on my XXXX, XXXX, and XXXX reports. As a result, of disputing the loan XXXX for almost three years ; Nationstar Mortgage has deleted this credit line from my the credit repositiories. However, Nationstar Mortgage has continued to send me statements indicating the loan is outstanding in the amount of more then {$140000.00}. Nationstar Mortgage and their attorney, XXXX XXXX and XXXX XXXX XXXX and their attorney, XXXX XXXX XXXX have been lying to the CFPB and the Courts referencing this alleged loan for years. It appears they ca n't synchronize their fraudulent scheme. XXXX XXXX XXXX goes into Court and say one thing and Nationstar Mortgage acts reflects the opposite. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's has repeatedly told the Courts they have nothing to do with the loan since they transferred it to Nationstar Mortgage. Notwithstanding, Nationstar Mortgage will not give me any information referencing the loan they claim I owe more than {$140000.00} and have reported the loan has a XXXX balance with the credit bureaus. I am requesting the status of Nationstar Mortgage, ( XXXX XXXX ) loan XXXX as of today they 're allegedly servicing for the XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was a victim of credit fraud when I was traveling overseas. My credit card from bank of america was stolen when I was in XXXX. I had contacted the bank and reported that the card was stolen and was used by somoeone else, and closed the account right away. Bank of america opened a claim in ( claim number XXXX ). However, they denied to provide a claim stating that I did the charge which is not true. 
Bank of america did not do a proper investigation, and the charges after XX/XX/XXXX are not mine. I explained multiple times to bank of america, to many representatives that my last transaction was in the amount of {$7.00} on XX/XX/2023 at XXXX XXXX. 
To my surprise, they did not return me the funds which were charged after that transaction. The total charges add up to over {$770.00}, and bank of america did not cover the liability they are supposed to cover. 
I am asking you to interfere and ask bank of america to do a proper investigation and return me the fraudulent charges which are not mines.
Consumer complaint received 2023-05-30
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. (CA)

This is the several time that I am disputing, yet the erroneous items still remain, I am redisputing again as a follow-up that the disputed items must be deleted because I have no affiliation with them. 

Kindly remove the following items for I have no relation with them : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # XXXX XXXX
Consumer complaint received 2023-05-04
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. (TX)

I mailed out letters to the credit bureaus requesting a verification of the items listed on my credit report. They responded saying that the information was accurate. 

After further investigation and thorough research I discovered improper inaccuracies on my credit report after their alleged verification. 

Accounts in question : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX Account # : XXXX- XXXX ( reporting the same debt twice with two different account numbers. ) XXXX XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) Reporting as : ( Original Creditor : ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) XXXX  XXXX Account # : XXXX ( Multiple inaccuracies found ) In accordance with the Fair Credit Reporting act Convergent Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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 2023-05-04
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. (TX)

I am trying to clean my credit report and I am informing that the account XXXX in the amount of {$1600.00} and account XXXX in the amount of {$4800.00} are not my accounts. I have been a victim of identity theft and have no recollection of these accounts. Consumer Law SECTION 605 A 15 U.S. CODE 1681 C-1 states : The banking system is dependent upon fair and accurate credit reporting.

SECTION 605 B 15 U.S. CODE 1681 C-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate ; block of information reported as identity theft.
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kelsting Group, Inc. (CA)

I was given a copy of my credit report, and there was a collection account listed. I have since reached out to all 3 of the credit bureaus by phone and my mail to address the fact that the account in question does not belong to me. I have never had an account with the company in question. I do not have any other information reporting on my credit report besides this one company. XXXX, XXXX or XXXX XXXX XXXX has not reached out to me in regard to this matter.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (AR)

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 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. 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 2023-05-29
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: EQUIFAX, INC. (NV)

n accordance with the Fair Credit Reporting act XXXX collection bureau of 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 2017-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX   XXXX   XXXX  filed a civil suit against me to collect a medical debt for  XXXX  with 6 % interest from  XXXX / XXXX /  XXXX  . And the courts made a default judgment and put a warrant out. i was never contacted and made aware of this case. My rights to be made aware of judgments against me and to defend myself was viloated not to mention the emberassment that resulted from this. My right as a consumer were completely violated by this company and their lawyers  XXXX  and  XXXX .
Consumer complaint received 2023-05-29
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Credit Dispute-Failure to Honor Insurance Claim and Filing a bogus and unsubstantiated derogatory credit remark. 

XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to fax Regarding the Item identified on the credit report as XXXX opened XX/XX/2020, date of last payment XXXX 2020, and as a charge-off for {$8400.00} with a past due amount of {$6300.00} reported by Capitol One Auto Finance XXXX I believe this is a false derogatory credit claim caused solely by the lender or creditor, identified as Capitol One Auto Finance ; and of no action, nor inaction of this lendee in total nor impart. 
Attached, I have supplied copies of communications supporting that the remaining, outstanding amounts or balance of said loan ought to have been satisfied by the Guaranteed Asset Protection Insurance Provider, in full effect at the time of the loss.

The attached documentation will support that unknowingly to this borrower, and while I was XXXX, XXXX, and XXXX from the XXXX XXXX  : Capitol One Auto Finance, after having received a total loss, pay-out from the insurer of the at-fault party and finding a remaining balance, did initiate a claim with the Gap insurance for the remainder of the balance owed. 
Capitol One Auto nor the GAP provider has contacted at any time this borrower, It is now alleged by the Guarantee Asset Provider that Capitol One never completed the submission of all necessary documentation to process the claim or to receive payment.

Capitol One Auto Finance Alleged that documentation competed.

To date, the amount remains on my credit report as a derogatory remark and failure to pay, this borrower did attempt on multi [ le occasions to communicate with the lender and the GAP insurance, only to be offered a settlement payment plan to satisfy the outstanding amount.

Also, the GAP insurance provider alleges that although this borrower took the initiative to collect all possible supporting documents and forward copies to both parties, due to the amount of elapsed time since the initial filing that the claim would no longer be considered for payment.

The premium paid for said GAP insurance at the time of purchasing this automobile has been and continues to be unreturned or reimbursed as requested. 

-- Sincerest Regards XXXX XXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I had XXXX points ; when I checked my account earlier, I only had XXXX points. I was told that my account had expired. I told them I did not cancel my account, and it remained open even though I hadn't used the card. I was told that I was supposed to receive a letter from them reminding me that my points were expiring. This is so misleading and unfair!! I spent a lot of money to earn the rewards and even paid off my credit card balance XXXX years ago.
Consumer complaint received 2023-05-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have NEVER had a paid EXPERIAN Membership, it has always been free. I do not sign up for XXXX, because I know what I do and don't do. I am a single woman living alone, I do not have credit cards I do not have major debt my cars have been paid off. 

I have always monitored my Experiab account, through the app for years ; under a paid membership ; I literally just look at my score. As reporting disputes directly through EXPERIAN, gets you nowhere. 

Afrer my several reports through CFPB, I log into my EXPERIAN app today to see them trying to charge my card for an upgraded membership I didn't sign up for agree to or was given any priori notification of. Since when was EXPERIAN, allowed to upgrade my account for me without my knowledge and then try to charge my debit card for an amount I have no knowledge of and didn't agree to? 

It's giving not wanting to do your job, targeted harassment, XXXX, and ways to keep me from monitoring my credit report. It's giving class action lawsuit... I have documented this, I expect a response by end of business this week.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Im requesting an immediate update to my balance on both accounts XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX my balance on both accounts are incorrect and Im sending in proof attachments to show please update immediately
Consumer complaint received 2023-08-16
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OAG CHILD SU XXXX Balance : {$4500.00} ; ATTYGENERL XXXX Balance : {$4500.00}.
Consumer complaint received 2021-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (SC)

In XXXX of 2018 I visited XXXX XXXX XXXX XXXX and provided all copies of my insurance at the visit. Due to error on their end Ive been charged a debt that should have been covered by insurance.
Consumer complaint received 2023-05-29
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. (TN)

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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2017-11-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

MY HOME IS BEING FORECLOSURE WITH A FRAUDULENT ASSIGNMENT THAT IS CLEARLY DEFINED AS A ROBO SIGNED DOCUMENT. FRAUD CAN NOT BE THE BASICS OF OBTAIN A DEED THE CUT OFF DATED OF THE ALLEGED LISTED IN THE POOLING AND SERVICING AGREEMENT FILED WITHIN THE UNITED STATED SECURITIES EXCHANGE.STATES THAT ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OF DATE IN SECTION 201 I ALSO REVOKED THE POWER OF ATTY THEY ARE USING TO FORECLOSE ON MY HOME I HAVE ASKED FOR A MODIFICATION, AND THEY HAS REFUSED
Consumer complaint received 2023-05-29
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. (TX)

This is in reference to complaint XXXX. Equifax stated that they needed me to submit proof of identification which I feel was just a stall tactic, but I will attach it to this complaint. Once again, I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all XXXX bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2021 I sent and email to Capital One informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with Capital One reflecting as an authorized user.
Consumer complaint received 2023-06-20
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. (WA)

Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXX XXXX. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft report.
Consumer complaint received 2023-05-29
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (CA)

I have a HELOC line of credit at Bank of the West. I recently took an advance ( {$200000.00} ) against the line and paid it back over several payments. I made the payments at the branch. When I checked the posted date of the payments on my account they were over a week after I had made them at the branch ; 11 days for one and 8 for another. The deposits were made on XX/XX/XXXX and XX/XX/XXXXand not posted untilXX/XX/XXXX. I was charged interest for these days. 

I contacted the bank and they told me that the branch system and the loan processing systems were different systems and the posted date that the loan processing department used may not be the same as the date that the payment was made at the branch. They initially asked me to prove the deposit dates at the branch by giving them the receipt ; however, I do not keep those and most people don't either. They eventually were able to confirm with the branch on the deposit date correct the error. 

I have had this line of credit for several years and have taken many advances and payments. However, I did not keep track to make sure that they posted the payments correctly. I assumed since they were a bank, and everything was electronic these days, it would be done correctly. Because of this experience I asked them to audit all my payments to check posted date of the payment against the deposit date at the branch for the entire history of the line. They informed me they were not able to do this because they don't have the transaction record at the branch. I think it is absurd that they would not retain this record.
Consumer complaint received 2023-02-28
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: PNC Bank N.A. (PA)

Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING INACCURACIES. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current willful violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days. I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 36 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act