davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The home is in foreclosure. The past 4 months Nationstar was made aware that the property was in the process of being purchased/ sold to a new party, which is why numerous reinstatements and pay offices were being order on a monthly basis. The file is now in escrow and ready to close. Nationstar was made aware that the file was in escrow and was sent over all pertinent documents pertaining to the transaction Nationstar will be paid the full amount owed via this transaction but they are REFUSING to let the transaction be completed. We are asking for the sale to be postponed so the loan can be funded and Nationstar can received their payoff in full. We are simply asking for an additional 2 weeks to 30 days at the most.
There is no tangible reason why Nationstar should not postpone the sale date. At this point it is apparent Nationstar would rather foreclosure than assist in this process. The XXXX  feel as if they are being discriminated against based on race, ethnicity, national origin.
The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstarss lack of participation to complete this transaction of Homeowners file indicates a preference to profit directly from their hardships.
Consumer complaint received 2023-08-21
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. (NY)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting 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 in accurate.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (TN)

The mortgage company is Sierra Pacific. The servicing company is XXXX. 

XX/XX/2023... monthly mortgage payment increase from {$930.00} to {$960.00}. 

XX/XX/2023... I was able to reach customer service at XXXX who blamed the increase on my insurance company. Contacted XXXX XXXX insurance company and together determined the insurance rate increase only accounted for {$43.00} yearly. ( {$3.00} mo ) I then contacted XXXX XXXX rep XXXX XXXX who provided me with escrow analysis. It showed a " shortage adjustment '' of {$660.00}! XXXX put me in touch with another XXXX rep who explained that this charge was due to the escrow being paid in a different month than before. His solution to return my mortgage payment to where it was before was either pay the additional XXXX, or just wait 2 years and it will be paid. Unacceptable. I did my part paying the mortgage on time every month, someone over there made the error. What is to prevent another " shortage adjustment '' later on? 

XX/XX/XXXX ... Contacted XXXX XXXX at Sierra Pacific expressing my dissatisfaction. He emailed back saying that XXXX would have someone else contact me. More waiting. 

XX/XX/XXXX... No contact from XXXX, emailed XXXX XXXX again. 
XX/XX/XXXX ... No XXXX agent has contacted me to date. No follow up from Sierra Pacific.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (GA)

Last month, I received a notice from Mediation Recovery Center claiming that I owe {XXXX for a medical device related to a XXXX I had XXXX years ago XXXX XXXX XXXX XXXX. The notice claims that the original creditor is XXXX XXXX XXXX  and that the Current Creditor is XXXX XXXX XXXX. The account # provided by XXXX was XXXX. The original Account # is XXXX. The notice also states that if I were to pay immediately, they will discount my bill to XXXX 

This letter was the first time I've ever heard of this balance due. 

A few days later, I received a phone call from a representative of XXXX, again claiming that I owe this balance and requesting that I pay immediately. I asked him why it took XXXX years for this bill to make it's way to me. He could not give me a clear answer, other than to say that his company purchased the receivables from XXXX XXXX XXXX. I asked him for a contact person at XXXX XXXX XXXX that I could speak with. He responded that this company went out of business. He went on to threaten that if i did not pay this bill immediately, that they would report this to the credit bureaus. 

The unprofessional manner in which he behaved and the length of time since my original XXXX leads me to believe that this is a scam. 

In speaking with a CFPB XXXX, he informed me that I should be protected under the CFPB No Surprises Act passed in XXXX. He also suggested that I file this complaint.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Wilber and Associates, P.C. (NH)

I was involved in a motor vehicle accident in which another car impacted my vehicle. I began receiving threatening letters from XXXX XXXX. I attempted to contact them to tell them that I am insured, and to contact my insurance provider. I then received these letters from this company. This is clearly illegal harassment, as I told them they were to cease contacting me immediately and to contact my insurance company.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

( FCRA ) 15 USC 1681 b This section of the law/ Permissible Purposes. It has come to my attention, that you are reporting unauthorize inquiries with your company, to the consumer report. You have reported inquiries on these days between the consumer, 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. And according to " FCRA '' 15 U.S.C 1681b intends to use the information for employment purposes ; or The Term " employment '' when used in connection with a consumer report means a report used for the of equating a consumer for employment, promotion, reassignment or retention as an employee.
Consumer complaint received 2024-04-02
Product: Credit reporting 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)

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc (LA)

I would like to submit a complaint against ( Transfinancial Companies ) regarding unknown medical account ( s ) XXXX for {$200.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Transfinancial Companies ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( Transfinancial Companies ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Transfinancial Companies ) reporting on my credit report ( s ). ( Transfinancial Companies ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditors listed on my credit report ( s ) that ( Transfinancial Companies ) claimed to be collecting for the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) and that XXXX had paid all account ( s ) /bills. Therefore, ( Transfinancial Companies ) have violated several state laws, FDCPA and FCRA. ( Transfinancial Companies ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before Transfinancial Companies reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect for medical account ( s ) that were already paid by insurance and/or XXXX. 

These erroneous entries by ( Transfinancial Companies ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said XXXX We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then XXXX XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. Wells Fargo throughout all of this never once wared me against submitting sending the funds, even though they had the resources to view and see that the account i was sending funds to was clearly red flagged.
Consumer complaint received 2023-01-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: KEYCORP (OH)

The US bankruptcy court granted to re-open my case in XX/XX/XXXX. XXXX foreclosed in XXXX by Keybank due to XXXX XXXX XXXXXXXX misrepresenting the mortgage services process. XXXX XXXX XXXXXXXX used loan fraud and discrimination by failing to make an accurate and complete disclosure of payments through the Obama Administrations efforts to provide relief to my mortgage and homeownership in XXXX, XXXX. On XX/XX/XXXX, the loan bankruptcy XXXX the mortgage debt. They used deception through us a mail and by documents provided through XXXX  XXXX XXXX. On or about XX/XX/XXXX, XXXX  XXXX XXXX used an XXXX title company to notarize documents under the save the dream foreclosure prevention program. Their mortgage servicing misled me to continue making payments after the bankruptcy dischargeXXXX XXXX XXXX XXXX worked with XXXX mortgage services to hold an escrow account for KeyBank National Association for the government-approved crisis funds. The document Save The Dreams reveals not to make payments ; that loan foreclosure prevention would help clear the liens and Residential loans. 

They used documents and the XXXX system to pretext a cause for collection to deprive me of credit and finical information as they knew the housing crises I was hurt. The Chapter XXXX bankruptcy experience an undue hardship ; tXXXX XXXX XXXX XXXXy XXXX debt. Bank XXXX XXXX took advantage of me during the crisis and failed to satisfy the liens after they brought out XXXX Mortgage XXXX. Instead, they used defective During the pandemic in XXXX. My home had illegal foreclosure against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX, I brought home through the XXXX XXXX XXXX XXXX XXXX that assigned KeyBank National Association as the bank to be an indirect mortgage holder for the XXXX XXXX  XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX ) is the seller of the property in the original loan origination and original warranty deed to the land property is me XX/XX/XXXX, I signed documents at XXXX XXXX XXXX that included title insurance, homeowner insurance, truth in lending, Hud compliance document, 1003 Fannie Mae application mortgage servicer which, name as XXXX XXXX XXXX  and agreement was no assumption of the loan, XXXXk XXXX XXXX used home-retention options to discuss government assistance after my bankruptcy discharge with my mortgage servicer ( s ), including refinances and programs through Loan Modification/Affordable Mortgage Modification forbearance and forgiveness and lien release. They used the system to Financially Fraud Residential Mortgage-Backed up by government assistance. They breach mortgage contracts and process scams against bankruptcy discharge and crisis.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I received a letter in the mail from XXXXXXXX XXXX stating that I had been approved for a certain amount of credit line. I do not have a XXXX account and I didn't request a credit line. This correspondence also went to an family member 's address and not mine.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2023-06-05
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. (NJ)

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.

The letters are stated with items and issues.

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 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CA)

Notice to agent is noticed to principle, noticed to principle is noticed to agent. 
Payments on the vehicle Is unclear. Santander consumer USA and XXXX XXXX XXXX can not make their decision on whom the Debt Belongs to. This has been discharged for the following reasons, Santander Consumer USA has not provided the discharge Documentation requested by the consumer I have contacted XXXX XXXX XXXX to provide me with the discharge cancelation Information to report this to the IRS and they have denied the information that I Need, to file the 1099 XXXX XXXX XXXX XXXX deny providing me with Such license, Santander on the other hand is blaming XXXXXXXX XXXX  XXXX and since I am the holder in due course of this account, I am cancelling this debt with house resolution 192 that explains the public debt. I would like to recoup the currency by check money order or federal notes. or return the funds to my financial institution. or to the consumers address mentioned un the contract. And just keep in mind they're on the contract it says pay to house does not say Santander consumer USA and just to inform Santander. You forfeit the signature on that contract you have send me. the original contract is proof of the frog you committed with XXXX XXXX you are just unlawful and no different than XXXX XXXX XXXX. I came in good faith to both of you and I addressed the issue when you ask me to you pretended to help when in reality you were committing fraud. I am requesting Santander to provide me with the discharge notification letter and the 1099C information. In order to release your name from the DMV records and if you can not provide me with the information, I am requesting please assign this to a court hearing to a federal court before I address the issue. and before I forget there is no Arbitration Cloth Between me and Santander. Consumer USA.
Consumer complaint received 2023-06-20
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: ROYAL UNITED MORTGAGE LLC (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : ROYAL UNITED 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 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-08-21
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.