davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CT)

I receive solicitation calls from NationStar, my mortgage lender since XX/XX/2009. The calls go like this : " This is NationStar. This is a recorded line. NationStar sometimes acts as a debt collector. This is a courtesy call for XX/XX/XXXX. Your mortgage is {$2200.00}. Are you aware that it is due on XX/XX/XXXX? Do you have this set up on Bill pay using the grace period? To cut down on my courtesy call volume, please tell me if you are going to continue to pay using the grace period. Your account is now coded-out to pay by the grace period '' WHAT IS THIS ALL ABOUT?
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This letter is being sent today in order to formally contest some errors found on the credit report. Some discrepancies were discovered during a recent review of the credit report, which has caused my credit score to suffer. 

A prompt response to look into these inconsistencies and make the necessary corrections is expected given how serious this problem is. The credit system is made to accurately reflect consumers ' financial circumstances. However, the appearance of these errors raises concerns about the efficiency of that system. 

Dealing with these errors is difficult despite efforts to keep finances in order. It is doubtful whether this important financial document is accurate, which could have an impact on future financial decisions and the credit score. The potential effects of a system-generated report on one 's financial situation demand serious consideration. 

The seriousness of the situation is highlighted in light of the current circumstances, and an immediate conclusion to this dispute is urged. We need your help to solve this problem and deliver a credit report that accurately reflects fiscal responsibility. 

A timely response to this important matter is desired. A correct credit report can be obtained with your help.
Consumer complaint received 2017-03-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (TN)

My loan with Nation Star has been going through a Deed in Lieu process for almost ten months now. I just singed the closing documents. for the address located at XXXX XXXX XXXX XXXX, TN XXXX. My credit report is showing that their are eleven missed payments. This needs to be corrected on my credit report immediately. Also, I keep trying to contact XXXX XXXX at Nation Star XXXX loan number XXXX she will not return any of my phone call.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I disputed an account with XXXXXXXX XXXX with the credit bureau. This account is not validated. The credit bureau is still reporting the account on my credit report although the company did not provide any documentation to validate the account. I has been 44 days since my dispute, which is past the required 30 days to respond.
Consumer complaint received 2022-12-11
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)

checking my credit profile ive noticed alot of unauthorized information. this is hindering my personal file. I am intrested in disputing alot of information on my transunion credit report.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (FL)

In XXXX I defaulted on my student loan due to financial difficulties. In XXXX of XXXX, my paycheck was garnisheed. I continued to have payment deducted from check consistenly until XX/XX/XXXX. During these 8 years, I contacted the representative from New York State Higher Education Services on many occasions to see how I could rectify my situation, he was always XXXX XXXX XXXX  and did not provide any assistance, his only response was always : " you will have to pay the balance of the loan in full '', I was not in a financial position to do so. In XXXX of XXXX I called him to let him know that I was changing employers and did not want to transition with a garnishment with my new employer. We made arrangements for me to send payments directly, I did so from XX/XX/XXXX- XX/XX/XXXX when the student loan moratorium was in effect. At no time was I told that my loan was in a default status for over 10 years. In XXXX I found out about the PSLF loan forgiveness program and submitted an application. It is at this time I was told that my loan was in default and would have to " consolidate '' to submit a PSLF application. I followed the instructions, consolidated and submitted the PSLF application. I received notification that my request was denied because they would not approve the payments made for over 10 years since the loan was in " default. '' I don't think it is fair to be penalized because the lender did not provide information or assist in having the loan reclassified since I made regular payment every month for over XXXX. This is not the way to treat people who are trying to do the right thing. I have filed a reconsideration that these payments be counted. I met all the other requirements for PSLF, working for a non-profit and currently for a public entity. I believe the NY State Higher Educsation Corp representitive 's name was " XXXX. '' I will turn XXXX in XXXX XXXX and plan on XXXX next year. I have paid back including very high collection cost which in total exceeded the amount borrowed! Please help! Thank you
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Harris & Harris, Ltd. (IL)

The debt collector called my mother telling her my license was suspended and etc. being as that my mothers awesome she paid the {$600.00}. However my license was in fact not suspended and the debt was already taken care of and they now say they can not refund any of the money. It has been 2.5 months and still not a penny
Consumer complaint received 2022-10-26
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. (NJ)

My name 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 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC. (CA)

I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.

15 USC 1692 congressional declaration of purpose. 

XXXX XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.
Consumer complaint received 2022-10-26
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)

My name 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 2023-09-04
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX Dispute of Inaccurate and incomplete Information on Credit Report : Account Details : 1. 
Account XXXXXXXX XXXX XXXX Account number : XXXX 2. 
Acount XXXX XXXX XXXX  Account number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy and completeness of the information that Experian has reported on my credit file. I have recently reviewed my credit report, and l have found that there are several accounts, specifically the XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX which are currently in charge off status, that contain erroneous and incomplete information. lam exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request an immediate investigation and correction of these inaccuracies.Firstly, Account XXXXXXXX XXXX XXXX Account number : XXXX and Acount XXXX XXXX XXXX Account number : XXXX, | assert that the information reported is inaccurate. I have not had any association with either of the accounts listed above. 

There seems to be a case of mistaken identity as I have never applied for, used, or held these accounts. I kindly request that you rectify this error by removing this account from my credit report. 

As per my rights under the FORA, I am entitled to an investigation of these disputed items.| request that you conduct a thorough investigation into each account mentioned above and provide me with a detailed explanation of the results within 30 clays. 
I would like to bring to your attention a relevant legal case where Exper an was sued tor violating consumers rights under the FCRA. The case of Smith v. Experian ( Caso No. 
XXXX ) is particularly pertinent to my situation. In this case, Experian was found to have Inaccurately reported a consumer 's credit information, resulting in severe financial consequences for the individual. I believe my case shares similarities with this precedent, and l expect a fair and thorough investigation of my dispute. 
Enclosed are relevant documents and proof to support my dispute. lam willing to cooperate further and provide any additional information you may require. 
Furthermore, I will be copying this letter and all relevant documentation to the Consumer Financial Protection Bureau ( CFP8 ) and my state 's Altorney General Office. It is my intention to bring attention to this matter and ensure that my consumer rights are protected and upheld. 
Please promptly investigate and address this dispute to avold any further consequences. I expect a timely response to this matter. You may reach me at ( XXXX ) or ( XXXX ) for any clarifications or updates. 
Thank you for your attention to this matter. I look forward to resolving this dispute promptly. 

Thanks
Consumer complaint received 2022-12-10
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: ENCORE CAPITAL GROUP INC. (NY)

XX/XX/2020 Amount {$1000.00} I called told them the card was stolen and I want to close the account and the say ok and lied and then they send my info to collections
Consumer complaint received 2022-10-26
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} ; XXXX XXXX XXXX XXXX XXXX : {$720.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/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 2022-10-26
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 submitted a letter to the 3 Credit Bureaus to remove these unverified inquiries. I think you have not verified these inquiries 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. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/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 2022-10-26
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. (NH)

My mortgage credit history was 100 % and always current. We refinanced and the history of 20+ years of perfect payments dropped and tanked my score due to length of credit history which should be 30 years. This is unfair! Now it says 4 year history.
Consumer complaint received 2023-09-27
Product: Credit reporting 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 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 2023-08-09
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. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-10
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. (IA)

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.C. 1681. 

XXXX # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX  # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 its 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 report containing any of following items of information Any other adverse 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 2022-10-26
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)

The incorrect items were 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 Experian, XXXX, and XXXX was XX/XX/XXXX,, 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 items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled my report and I noticed an address I never seen before this address below is not mines XXXX XXXX XXXX Fl XXXX Also I noticed an Employer I never heard or work for before I stated the employer below XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I had loaned XXXX XXXX a few XXXX dollars and he had in writing he would pay me back and pay me with interest. I never saw a XXXX returned. Not to long after he received all the money the communication fell off til there was none. Im XXXX so a few XXXX is a lot of money to essentially steal off someone. XXXX XXXX was absolutely no help whatsoever. XXXX and Huntington ( my bank ) also couldnt help. 

XX/XX/2022 {$340.00} XX/XX/2022 {$1100.00} XX/XX/2022 {$300.00} XX/XX/2022 {$210.00} XX/XX/2022 {$200.00} XXXX x XX/XX/2022 {$5.00} & {$5.00} XX/XX/2022 {$200.00} XXXX x XX/XX/2022 {$150.00}, {$55.00}, {$200.00} XX/XX/2022 {$670.00} XX/XX/2022 {$120.00} PLUS interest as written. 
Total with interest comes to {$6100.00}.
Consumer complaint received 2023-08-09
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. (CA)

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  ( Original creditor XXXX  XXXX ) XXXX Account Name : XXXX  ( Original Creditor XXXX XXXX ) XXXX Account Name : XXXX  ( Original Creditor XXXX XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX Account Name XXXX # XXXX Account Name : XXXX XXXX Has a balance of {$300.00} Account was Charged of 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 1681c section604 ( a ) ( 5 ) Section 2 States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.