davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have a loan with Nationstar Mortgage I had a trial payment of XXXX with an income of XXXX. I had to request 5 times that they take the money out of my account. I was XXXX short I informed them that I would the XXXX dollars would be taken from a XXXX XXXX account. The employee at Nationstar said he could not process a payment under XXXX so he refused to process the XXXX dollars then report me to the Dept of Treasury so I can no longer be eligible for the Hamp program that was done on purpose. I should still be eligible for Hamp that was a false forced information. Since when do you have to beg a lender to take funds. At this time I am stuck with their program of their choice. 
Desired Resolution : Hamp Program Loan with supervision from Hamp personnel. 
My Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Product : Loan from Nationstar Mortgage. Texas USA
Consumer complaint received 2023-01-26
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)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Delete this account.
Consumer complaint received 2023-01-26
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. (TN)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I had an account through XXXX XXXX for a XXXX XXXX XXXX. The loan was in my ex-husbands and my name. We went through a divorce in the fall of XX/XX/XXXX. The bank account the payment came out of was closed. The loan was bought by Huntington national bank-account number XXXX.Called and gave Huntington the new bank account with my name only and told them of the divorce and that I was awarded the XXXX XXXX  and would continue the payments no problem. Fast forward, I traded the XXXX in for a new vehicle the first of XX/XX/XXXX the payment comes out automatically the XXXX of every month. I called Huntington on XX/XX/XXXX and told them vehicle had been traded in to cancel the payment was told situation was taken care of. XX/XX/XXXX the {$470.00} payment was taken out of my bank account. Called XX/XX/XXXX and was told they was sorry and a check would be issued to me personally and gave my current address as the mailing address for said check, and that it would be within 2 weeks ( Ref # XXXX ). XX/XX/XXXX called again since check had not been received and was told that a check had been issued the day prior and would arrive within 5-7 days at my current mailing address. As of XX/XX/XXXX still no check, call once again and am told that the check was sent out to my ex-husband and that the check could not be canceled or reissued and the money could not be put back into my bank account from which it has been drafted the last 3 years and that there was nothing they or myself could do to change it or get MY hard earned money back.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

IN XXXX I WAS CONTACTED BY A XXXX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM XXXX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES -XXXX XXXX ACTT # XXXX -BALANCE {$1700.00}, XXXX XXXX ACCT # XXXX BALANCE {$1100.00} IS A FRAUDULENT ACCOUNT,, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Radius Global Solutions LLC (FL)

I 've been contacted recently by a Debt Collector with the most smelly attitude on earth weeks ago, the. She recently contacted me again threatening me that I have til the XXXX to pay my overdraft of {$120.00} from XXXX bank. But when I received the letter last week Monday, XXXX XXXX the letter informed that I have 30 days. But having her contact me knowing that I am in school at the age of XXXX trying to pursue my career especially off of a different number with a local area code is really rude of her to do so with the same attitude. I tried to inform her to do not call me anymore but she hung up the phone. Which is really unprofessional -- she needs to go back to school and pay her own debts.
Consumer complaint received 2023-04-11
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. (NY)

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 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 2022-11-21
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (TX)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXX/XX/XXXX
Consumer complaint received 2023-05-20
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)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$67000.00} ; XXXX XXXX XXXX Balance : {$26000.00}.
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CT)

XXXX XXXX : learned that my checking account was overdrawn due to inadvertently making XXXX credit card payments to the same card in XXXX month. 
After speaking with a representative from Chase, they advised to not do anything. When the demand for payment shows insufficient funds in the checking account, it will go back to Chase and you will be able to pay the amount the following month when the funds are available. And DO NOT TRANSFER FUNDS FROM ANOTHER INSTITUTION TO ACCOUNT FOR THE SHORT FALL. 
XXXX. Learned that checking account was overdrawn again due to Chase again requesting payment. On XX/XX/XXXX the Chase Rep said nothing regarding Chase sending a second payment request. This week, there were several checks sent out to various merchants, my assumption being that Chase was not going to make a second attempt for payment. The result, several overdrafts, due to insufficient funds. I again contacted Chase, regarding this matter and was once again informed to let the checks bounce, because transferring funds into our checking account would confuse their system. 
I am seeking reimbursement for overdraft fees, resulting from following the Chase Representatives advice. Also Im concerned regarding how the merchants will view my ability to pay their statements in the future due to the overdrafts, additionally how this may impact my credit score going forward.
Consumer complaint received 2023-05-29
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. (OH)

I'm sending this complaint to inform AGAIN the Equifax and XXXX credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-17
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. (LA)

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.

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 inructions 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 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I sent a certified mailing to Nationstar Mortgage company and they received it on XXXX XXXX 2016. A XXXX XXXX signed for it per the returned certified mail documentation. 
This mailing pertained to a document they were supposed to sign for my refinance process. 
I have not yet received any return document in the mail from them. 
I have been in telephone conversations with various agents of Nationstar and no one can tell me about this particular document that I need to finish the refinance process in about 2 months, when it normally takes about one month to complete! 
My main agent is XXXX XXXX at XXXX. He has tried his best to remedy this problem with the head office and he says has had no luck. 
The main issue for me is that no one has contacted me with any information ( except for XXXX ) to let me know if there is a problem with the document or anything else!! 
I 'm just not sure what else to do at this point!
Consumer complaint received 2023-01-27
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. (SC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX  Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2021-06-19
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. (NY)

Experian Credit reporting agency is not following the law. Per section 609 I am entitled to see the contract I signed and for the creditor to validate the debt. No documentation gets provided to me and the disputes keep getting closed. Send me proof that I owe this debt or delete it from my record.
Consumer complaint received 2023-07-17
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (MN)

I have tried multiple times to correct the balance/status that Wells Fargo is showing on my credit report with XXXX, This house was sold and paid in full XX/XX/XXXX. 
XXXX is showing the status as " Open/Never late. Deferred, payments begin XX/XX/XXXX '' with an outstanding balance of {$220000.00} as of XX/XX/XXXX. Neither of this is correct! 
I filed for bankruptcy in XX/XX/XXXX and the house was never reaffirmed so amount should have been changed to XXXX back then, but it was sold anyway on XX/XX/XXXX which also should have made this balance XXXX! This account is no longer open and payments are not due in XX/XX/XXXX?? This needs to be corrected immediatley, this is ridiculous! 

I've attached what I could from my Wells Fargo account showing it is paid in full and balance is XXXX. No statements have been available since XX/XX/XXXX.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX, XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX. In those 3 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 3 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2023-04-11
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)

When I reviewed my credit report, I discovered that these accounts were 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 be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This credit reporting agency failed to provide proof of their investigation of all inaccurately listed bankruptcy filing. I have not received any bankruptcies petitions showing my signature. 

enclosed is a letter from my court clerk showing that I do not have any bankruptcies filing in their record. 

The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear grave responsibilities, 15 U.S.C. 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The grave responsibilit [ y ] imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations contemplated by the statute.