davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My home was foreclosed XX/XX/2017 and subsequently sold at auction. I received a XXXX stating the balance of principle outstanding as XXXX and the fair market value as XXXX I also received a XXXX stating fair market value as XXXX and the amount of debt discharged as XXXX. I contacted the mortgage company and questioned the reason for both a XXXX and a XXXX being sent and asked for an itemization of the XXXX. I received a letter telling me to disregard the XXXX and an email with an attachment of the supposed itemization of the discharged debt. The itemization is convoluted and neither the positive column of amounts or the negative column or the difference thereof corresponds with any of the amounts in question or makes any sense. I am questioning the amount of debt being discharged.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from XXXX, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX balance XXXX account number XXXX this account has been proving to be fraudulently open and the bureaus refuse to remove them I supporting ftc and police reports proving this are fraudulent and the bureaus will not remove this account it says closed and still actively reporting missed payments I dont understand I have the proof its fraudulent they will not remove it
Consumer complaint received 2022-11-29
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. (SC)

I took a look at my credit report and noticed SEVERAL accounts that are collections, charge offs, opened and closed and none of these belong to me. The personal information was incorrect. There was two addresses used, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX SC XXXX that are not mine. There are employers that was incorrect, like XXXX XXXX 
There is a {$4700.00} amount on there for a auto loan that IS NOT MINE!!!!! 
There is a {$720.00} amount on there for a personal loan that IS NOT MINE!!! 
There is a {$1200.00} amount on there for a collection to XXXX XXXX XXXX  that IS NOT MINE!! 
There is several other things including inquires that I did not authorize or even have any recollection of. 
The freaking list goes on and on. 


I demand these be removed immediately!!!!!!
Consumer complaint received 2022-11-29
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. (SC)

I took a look at my credit report and noticed SEVERAL accounts that are collections, charge offs, opened and closed and none of these belong to me. The personal information was incorrect. There was two addresses used, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX SC XXXX that are not mine. There are employers that was incorrect, like XXXX XXXX 
There is a {$4700.00} amount on there for a auto loan that IS NOT MINE!!!!! 
There is a {$720.00} amount on there for a personal loan that IS NOT MINE!!! 
There is a {$1200.00} amount on there for a collection to XXXX XXXX XXXX  that IS NOT MINE!! 
There is several other things including inquires that I did not authorize or even have any recollection of. 
The freaking list goes on and on. 


I demand these be removed immediately!!!!!!
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Phones were removed from my account did your from cell phone was stolen wallet ID they use my cell phone to access my account and change my password do you access to my account and withdraw money the bank is refusing to help me theyre saying that it didnt happen but yet they still received and gave me a payment for some of the money but the large portion of it theyre denying me the funds of Ive tried everything to resolve this with his bank its the most crooked bank Ive ever tried to do business with they also offer a {$300.00} for opening your first account with them I open my first account with them set up direct deposit and the amount of what they said it needed to be and theyve got to release those funds to me as well this bank is very very toxic
Consumer complaint received 2022-11-30
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. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXXXXXX XXXX BalancedOwed : {$0.00}
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CO)

CitiMortgage is claiming that they have not received my payment for XXXX. My payment posted to my bank account on XX/XX/XXXX a day it was due. They're also stating that only partial payments have been made for the past several months, but that they see that my full payment was made but is being held in some other account. My bank has sent them copies of my payments. I have spoken to at least 40 different people over at CitiMortgage all who tell me a different story. Nobody can tell me where my money has gone, or why they are telling me that I'm in foreclosure even though my statement say that I am current on my mortgage, with the exception of the missing XXXX payment that they can not find. I recently had a bankruptcy that was discharged, and I had made all of my payments to the bankruptcy court and received final payments have been made to both my first and second mortgage. Citi mortgage is my second mortgage. Multiple people at Citi have told me that the reason that I am in foreclosure with them is because my first mortgage with XXXX XXXX is in foreclosure. However I have called XXXX XXXX and they state that I am not in foreclosure and that my account is current with them. They are waiting for the release of the bankruptcy. I have called CitiMortgage everyday for the past 2 weeks and spent multiple hours on the phone, trying to get this figured out. CitiMortgage just keeps passing me off to the next person and can not tell me anything about what's going on. I am highly disappointed in the level of customer service, and the lack of respect that I've been given by CitiMortgage. Moreover, I do not feel like I can trust that my money is being credited to my mortgage anymore or if it's going someplace else.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America deliberately falsified loan application documents related to a request that they refinance the outstanding mortgage on the property in question. When confronted with the false loan amount, which should have been about $ XXXX instead of $ XXXX ( see attached payoff letter ), Bank of America said they would fix the false loan amount on the back end, but they never did fix it. The loan application was denied in a letter dated XXXX XXXX 2017 based on that very falsified debt, saying the applicants debt to income ratio was excessive.
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (TX)

In accordance both the four credit reporting at the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 US C 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 section 602A. states : I have the right to privacy 15 USC 1681 section 604A. states : a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 section C ( a ) ( 5 ) states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of conviction of crimes with antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Consumer complaint received 2022-11-30
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. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX, XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/2023 I am contacting you because I have found some information that is inaccurate on my consumer credit report. Please remove this account XXXX XXXX XXXX, account number # XXXX, for inaccuracies and false reporting because the payment histort reflects XXXX that Equifax is reporting 30 days late, and XXXX is reporting XXXX as 30 days late, and XXXX XXXX reporting XXXX as on time. This is inaccurate reporting of the payment history with the account, XXXX XXXX XXXX. Please delete this account immediately.
Consumer complaint received 2023-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (TX)

URGENT MATTER - CASE PENDING IN COURT - LITTLE TIME TO ACT BEFORE BANK TAKES UNDUE MONIES UNDER THE CONTRACT. 

Parents Passed away 69 days apart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
House Transfer On Death Deed to me. 
Mortgage company would not confirm me as XXXX for 10 months, and 1 month after foreclosure filed. 
Fire at property occured XXXX. Partial loss. 
House secured and locks changed XXXX at 95 days past due. no foreclosure filed. 
Asset Management company people took personal property in excess of XXXX XXXX destroyed other property inside the home. Allowed one cat of 4 to starve to death by locking house up so they could not be cared for. 
Insurance funds twice what was owed were submitted to Mortgage Company XX/XX/ With my name on check, but still not Confirmed XXXX 
House remediation started by me, Mortgage service took 6 months to pay contractor, no one else would accept the project after word got out. Plus foreclosure filed before contractor paid. contractor declined to continue. 
Bank that filed for foreclosure 40 days late on 60 day limit of answering discovery ( 30 allowed, 30 day requested extension ). 
Bank has now filed for Motion to Dismiss with Prejudice under the absurd opinion that since the original borrowers passed away, the property was abandoned. 
Only taking that position because they say that the Successor does not have the right to enforce the contract under the same Covenant that they are trying to enforce where it says that the Sums secured are to be reduced by and equation provided when FMV of the property is equal or greater than the sums secured. 
hence the Bank is trying to take more money than owed from the miscellaneous proceeds in the amount of XXXX XXXXXXXXdepending on what the actual FMV of the property would be determined as, thus leaving me with a partially destroyed home that has been allowed to deteriorate and be robbed, vandalized multiple times by agents of the asset management company.Ultimately, leaving me with a devalued property and no means to remediate it and recoup the additional {$78000.00} from the insurance company that is being held as recoverable depreciation. My lawyer is abandoning the effort after the hearing next week to argue the basis of the dismissal that Borrowers Death does not constitute Abandonment since it is the act of a Natural living person to abandon something, like he is doing to me. I have been unsuccessful in this rural area to find alternate council and if the motion passes then I am sunk. There is more, but the CFPB rule 1024.30 ( d ) allows for the confirmed successor, me, to be treated as the borrower. Furthermore, the Regulation X outlines the steps and timelines for confirmation of the successor, which the servicer clearly did not follow. I have proof to back everything here up. This is NOT A JOKE!!! I need urgent assistance.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (CO)

so as of XX/XX/XXXX me and my spouse moved out and finished making our payments as of XX/XX/XXXX. we were not notified that we were being charged for cleaning services they provided. we recently received something in our mail ( sunday, XX/XX/XXXX ) claiming we owe them {$920.00}. we also called a few days prior to our last payment to make sure all we had to pay was the remaining balance of XXXX, and someone by the name of XXXX told us that that was the remaining balance we owed and that everything is going to be settled after that.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I made a purchase with my capital one debit card on XX/XX/XXXX with XXXX. The merchant claimed they never received my money I contacted XXXX and they told me to contact my card issuer. The only answers they had were for me to file a claim. After filing a claim they reimbursed me, and I made the purchase with the merchant again. Now months later they have reversed the claim and emptied out my debit account resulting in a negative balance. I submitted proof from the merchant that they never received payment and capital one still refuses to open the claim back up.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MIDFIRST BANK (PA)

Hello I sold my house last XXXX this account shouldnt even show on my account. I payed the remaining balance of my mortgage loan so by law and the fair credit act this must be removed from even being showed on my account!
Consumer complaint received 2022-11-29
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. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

After reviewing my credit report from XXXX, Equifax and XXXX I noticed several inaccuracies pertaining to my personal information. All 3 are reporting inacurate addresses, phone numbers and spellings of my name. Congress states that credit reporting agencies have a responsibility to be fair and must respect the consumers right to privacy. I feel that my right to privacy is in jeopardy because of the inaccurate information that is being reported. Mail is not deliverable to me at these addresses and will leave me susceptible to possible identity theft for which you all will be liable.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been trying to do a loan modification since XXXX due financial hardship n XXXX and XXXX ; it has been 3 years of being pushed back from the mortgage servicer, which has changed XXXX already. My unpaid balanced grew to the point of foreclosure instead the company tried to helped me out to keep my home.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy 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 XXXXXXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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