davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Borrower 's applied for a XXXX short sale along with an offer from a pre-approved XXXX. The XXXX, XXXX asked the lender for XXXX. The XXXX did not respond. Consequently, he requested XXXX directly from XXXX. The valuation determined by XXXX is {$320000.00}. The XXXX, submitted a Valuation Dispute and submitted a XXXX from an independent party. The XXXX was {$280000.00}. Current offer is for {$270000.00}. The foreclosure sale date is scheduled on XX/XX/2017. XXXX has requested a postponement of the sale to allow time to review valuation dispute. To complicate matters the property is listed on XXXX for {$200000.00} as an opening bid. XXXX has asked the lender to remove the XXXX listing since it conveys to public that the property can be bought for this amount. Meanwhile, the XXXX as the property listed for {$290000.00}.
Consumer complaint received 2023-01-25
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)

Due to the EQUIFAX data breach, I was informed and have verified my info was used fraudulantly. I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX is a business building and XXXX XXXX XXXX XXXX XXXXXXXX XXXX is a XXXX XXXX according to XXXX XXXX. I was told by XXXX they don't do investigations and wouldn't help. 15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable. I believe my rights have been violated. I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. I have enclosed my original FTC ID Theft Affidavit along with my EQUIFAX settlemnt Claim # for proof. 

XXXX XXXX Opened XX/XX/2017 {$8900.00} was reported to XXXX and XXXX. 
XXXX and XXXX have deleted the accounts already. 
XXXX  xxxxxxxxxxxx XXXX Opened XXXX {$8900.00} was reported to Equifax how can it be accurate when clearly it's XXXX different information. 

Remove this account and stop viloating my rights by inputting erroneous info.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (GA)

XX/XX/XXXX I need you to attend to the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Company Information Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S. Code 15 U.S.C 1681 ET SEQ . Section 04 of Fair Credit Reporting Act Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above.
Consumer complaint received 2017-01-23
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

loan XXXX ; Champion Mortgage/Reverse Mortgage placed loan in mortgage due and all due status because of {$2000.00} in property taxes paid several years ago. This abusive since I am XXXX years old and trying to refinance the loan from Champion Mortgage ; Champion is harassing and holding me up from refinancing and paying them off
Consumer complaint received 2024-04-22
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (IN)

XXXX XXXX XXXX has not paid my XXXX XXXX debt. The company holding my money is Global Holdings llc. I can not get a statement to tell me where my money is ( {$6300.00} ), because I can't get my phone call answered.
Consumer complaint received 2023-04-14
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. (IA)

I sent out multiple letters to the credit reporting agency ( Transunion ) regarding some inaccurate information on my credit report which consisted of unauthorized inquiries. This has been going on for over 3 months now. I am only XXXX XXXX XXXX who makes a decent amount of money for my age, has good relationships, and has a business to build. These negative inaccurate accounts are affecting my account tremendously, if there is a way you ( CFPB ) can help then please help. 

Attached below will be my ID and SOCIAL confirming it is XXXX XXXX filing the complaint, proof that the reporting agency received my letter, and the letter I sent out.
Consumer complaint received 2023-06-13
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (OH)

I closed on my loan with Mr Cooper on XX/XX/XXXX XXXX- I requested the escrow and excess funding to be sent to my new address which was located on the closing docs. I had to have someone else call in on their number as each time I called in I got the automated system- I spoke with XXXX  on or about XX/XX/2024 at Cooper mortgage who communicated that they sent payments to the property address which is not where I live nor on the closing documents- I then again updated my address information to which she stated that the checks would be updated and mailed to my current address at XXXX XXXX XXXX XXXX Ohio XXXX- As of tis date I have sent via email several notices for them to direct deposit the amount in my account as they communicated to expedite the process. They continue to refuse to send payments to me for teh escrow and remainder balance in the amount of {$820.00} and should be with interest as we are beyond a month of paying this account
Consumer complaint received 2023-01-10
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MS)

Today on a recorded call with Experian, I informed them that XXXX XXXX  and XXXX XXXX  had placed a fraudulent debt on my credit report. I have repeatedly attempted to contact XXXX XXXX and XXXX Collections to ask them to provide proof of this debt to no avail. XXXX and XXXX XXXX have also been providing this fraudulent debt. Ive spoken with a representative today from XXXX XXXX who stated that the information the have on their system is from Experian. Experian is providing fraudulent credit information to others. I do not owe XXXX XXXX  or XXXX XXXX  any money. I was informed, during my call with Experians customer service representative, XXXX, that a company called, XXXX XXXX also has placed a fraudulent debt on my credit report. Ive asked Experian/XXXX to remove all of this fraudulent information. She informed me that I am to provide a complaint with the FTC. When I went to the FTC ( Federal Trade Commission ) website, I was redirected to CFPB website to file the complaint. I want this fraudulent information removed immediately AND I want Experian to contact Resident Verify and authorize them to remove the fraudulent information they have placed in their system as well. The reference number for XXXX XXXX is Ref # XXXX. XXXX owns XXXX XXXX. I want this fraudulent information removed from XXXX too. Experian should not be allowed to put fraudulent information on anyones credit report without verifying that the debt is valid. They are ruining peoples lives and should be held accountable in a court of law. This is slanderous and libelous. Today XXXX from Experian also provided this information : XXXX XXXX XXXX Partial Acct number XXXX - {$18000.00} XXXX XXXX XXXX Partial Acct number XXXX - {$20000.00} This is fraudulent and must be removed immediately!
Consumer complaint received 2023-03-01
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under. 15 U.S.C1681. ** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. ** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, XXXX, XXXX and social. Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXX XXXX acct XXXX XXXX Acct name XXXX XXXX XXXX acct # XXXX Acct name : XXXX XXXX XXXXXXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct XXXX XXXX XXXX, acct # XXXX Acct name : Child Support acct # XXXX Acct name : XXXX, XXXX # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXXXXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXXXXXX XXXX XXXX XXXX, Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. * 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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. * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-06-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

5. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

6. Identity ThefXXXX XXXX XXXX  Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.
Consumer complaint received 2017-03-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Mortgage lender is harassing, neglecting, and utilizing abusive practice .... 
Mortgage lender, claims account balance owed, when records are incorrect. 
we have contact and requested to investigate. Per reps, they can see issue on the phone and constantly say it will be fix ... nothing has been done after 30 days ... 
receive letters, of foreclosure, late fees, and calls ....
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

On XXXX XXXX our mortgage company added an escrow fee of {$64.00} for insurance. I contacted our mortgage company in XXXX when I realized the mistake & was told I would need to speak with the insurance department XXXX XXXX XXXX XXXX department switched me back to customer service. In XXXX I contacted the customer service department again & they put me in contact with XXXX XXXX who is the Customer Service XXXX XXXX, we began email corresponding on XXXX XXXX. XXXX told me that our mortgage loan was recently changed to the XXXX office from the New Jersey office for servicing. XXXX began researching & found that the New Jersey office had added an insurance policy to our mortgage for XX/XX/XXXX thru XX/XX/XXXX because they did not have proof of our insurance at that time. I sent her a copy of our insurance information for the dates that they were saying we did not have insurance proving we did in fact have insurance at that time. XXXX & I have had corresponded via email since XX/XX/XXXX & she has stated that she is working on the issue. When I spoke with her over the phone she told me that the problem was that the XXXX office needs to get the refund from the New Jersey office before they can do the refund to me. In the mean time my mortgage has had an escrow fee of {$64.00} per month since XX/XX/XXXX when I have always had homeowners insurance for the life of the loan. I am tired of not getting any results or refund of the money that I have paid for something that I paid for before. XXXX has stopped responding to my emails & not answering her phone.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (LA)

Hi I 'm writing to complaint about Shellpoint Mortgage company. We are try to do a loan modification I through everything was going fine .I would call every 2 day to check on my loan I got no call back or your loan steel being processed. A few days ago someone from a Realtor company came to my house. Say we have to sign a paper a be out in 30 days. NO WORD FROM MY MORTGAGE COMPANY ABOUT THEY WAS SELLING OUR HOUSE .I HAD TO got To COURT HOUSE TO SEE WHAT WAS GOING ON. THEY NO ANSWER. NOW. HAVE TO A LAWYER .PLEASE HELP ME TO UNDERSTAND WERE I WENT WRONG. SO disappointed In My MORTGAGE COMPANY
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with XXXX XXXX XXXX. I am not liable for this debt with COMENITY CAPITAL B ANK/ULTA. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (NC)

Received a letter from Barclays on an application for an AAdvantage credit card I did not apply for. The letter states I was denied because I placed a security freeze on my credit. I placed this previously because I have received several credit cards I did not apply for. I believe I am a victim of identity fraud.
Consumer complaint received 2024-04-22
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: TRUIST FINANCIAL CORPORATION (NJ)

I did not authorize that my credit should be ran With these companies and I am unaware of this transaction : Regional acceptance on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorize any of this transaction With that being said, Ive reached out to the credit bureau and nothing has been done. I reach out to these agency and nothing has been done. Immediately action will be taken, and these will be removed from my credit report
Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (FL)

I got a credit card from the XXXX and XXXX XXXX XXXX and was unable to make payments. Now they are garnishing my social security XXXX income for apx $ XXXX. Had I known that they could do this, I would have made payments. Also, I do n't recall ever receiving any disclosures stating that should I not be able to make payments, they could and would garnish my XXXX income.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CO)

I currently have an open a Affirm account on my credit report Ive contacted affirm several times theyve confirmed the account is closed sent me documentation to submit to XXXX which I have done. I have filed a few dispute accounts with XXXX and provided that documentation and I still getting notified that they worked with the lender and all the information is correct. Its currently showing open with the remaining balance with over a year that the last time the account was updated and I still can not get it to close out and all my documentation shows that has been paid in full and even a firm has confirm that as well.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-03-01
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. (NC)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Theres 5 hard inquiries that I did not authorize these companies ( Macys ) ( Neiman Marcus ) ( XXXX ) to run a hard credit check on my report, theres 3 same inquiries with XXXX , 1 with XXXX and 1 with XXXX and I would like that to be removed from my credit report.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (TX)

I opened a chime account about 2 weeks ago. About 2-3 days later my account was locked/suspended. I called the chime support team and they said its because they needed documents like my social and my state ID and proof of my address. I sent everything I needed, its been 2 weeks already that Ive been calling the chime support team everyday asking about my account. They said there is nothing they can do that I have to wait, I have a check that already went to that account and I have no access to it. I called again today XX/XX/2022 and all they tell me is we are going to escalate your situation and we should get back to you within 24 hrs but nothing ever happens, I dont get no email of my status of my situation and they always tell me there is nothing or no one else hire up who I can talk to. I need access to my account, Im a single mother I have bills to pay and a child to feed.