davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (OH)

Nationstar Mortgage LLC d/b/a Mr. Cooper sent me a letter saying they will increase my mortgage amount because of escrow shortage without the option to pay the escrow lump sum, which I wanted to do so I do not have to bear a mortgage increase. 

I called and called and the AI bot kept giving me the run around, finally I spoke with a lady who said I could make the payment on the website, which was not accurate as I could not ( no option to make the payment ) but I was already off the phone with her. 

When they want you to refinance so they can profit off the customer they call incessantly but when the customer is trying to get a situation resolved the AI bot is set up to 100 % hinder the customer from reaching a human to talk to! I called today and last week to no avail, the Ai bot kept saying " I do not understand your request, bye! ". 

There is no way to get past the AI to speak to a customer representative and when you do, the task is not resolved! They unilaterally do analyses and to reach them is almost an impossibility. I called today XX/XX/2024 over and over, only the AI bot. last week, same thing. 

This is the same company that had a cyber incident and makes it extra difficult to register for credit monitoring they claim to propose! Why can't they just register all their customers for credit monitoring?! They say you are eligible but to register is another complex runaround situation.
Consumer complaint received 2020-08-14
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. (FL)

I contacted banks directly to review negative items listed on my credit report. Corrections and payments were made directly with the banks but, the items still appeared on my Experian account well after they were removed from the other two credit bureau accounts. I disputed with Experian but, the results were that " no changes '' could be made and I was not permitted to dispute again because they were already disputed. 

The rating seems arbitrary and decreases without reason. Following the guidelines as stipulated by the credit bureaus individually, I reduced usage to below 1 %, removed all credit delinquencies, make all payments on time, cleared ALL debts, and the last missed payment was over 3 years ago. The more I abide by the stated rules, the lower my credit score trends ... almost daily and without any changes to the items on my credit report. Experian has yet to provide an explanation for this downward trend. 

Following the rules has diminished my credit rating. But, lucky me! If I sign up for another credit card through Experian 's referral service, I just might improve my credit rating.
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina, XXXX DOB : XX/XX/XXXX Last four Digits of my social : XXXX Dear Sir / Madam at Equifax, See enclosed Documents, in XX/XX/XXXX ; i paid off 3 high interest rate loans with XXXX XXXX XXXX. All 3 rates were over 20 %. I did this to qualify for a mortgage on a new piece of property. On XX/XX/XXXX you penalize me 42 points causing my home loan to be canceled. Then on XX/XX/XXXX you penalize me for using a credit card with a XXXX dollar credit limit. I only used 15.5 % of the total credit card limit. Earlier this year you allow some fly by night collection to go on my credit hurting my credit. The other two bureaus, my scores are all in the 700s, but with you people you have continually have hurt my credit and caused me aggravation, I want my scores reversed and put back where they belong in the 700s. Paying off loans, and paying on time means nothing anymore. 

XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This complaint is in regard to my account with XXXX XXXX XXXX. 
I originally purchased the vehicle brand-new in XX/XX/XXXX. The loan was put in my name and my cosigner 's name. I haven't missed a single payment on the vehicle since I purchased it. 
Later on, my cosigner filed for bankruptcy and the account was flipped to the bank. However, she was able to reverse her bankruptcy in Late XXXX, and the account was flipped back to her and I. 
On my Cosigner 's credit report the vehicle loan was shown as active, open, and current, as has since the bankruptcy was reversed. 
However, my credit report hasn't been accurate at all. 
As you'll see attached, I did write XXXX XXXX XXXX back in XX/XX/XXXX to dispute the information on my credit report. 
They started reporting the correct information and my XXXX  report has changed and has been accurate since. However, my Transunion report hasn't changed or been resolved at all. 
I did open a dispute with Transunion in XX/XX/XXXX, where the results stated, " Verified as accurate and updated : the disputed item ( s ) was verified as accurate : however, we updated Rating. For two weeks, Transunion reported the account accurately with no payments missing and open. 
Once XX/XX/XXXX rolled around, Transunion was once again reporting the account as closed with missed payments. I called to dispute and they told me that I needed to call XXXX, as that's where they get their information. I called XXXX and they opened up an investigation on their end. On XX/XX/XXXX, according to XXXX, they sent over to Transunion the correct account information. I have started another dispute with XXXX on XX/XX/XXXX, but have no results yet.
Consumer complaint received 2020-08-14
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: Bread Financial Holdings, Inc. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE CONTACTED THE CREDITORS AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY PAYMENTS TO ANY OF THE CREDITORS. I HAVE BEEN TELLING THAT THESE ACCOUNTS ARE FRAUDULENT FOR MONTHS, AND NO ONE CARES AND AN AGENT FROM XXXX   TOLD ME TODAY WE CANT REMOVE THEM BECAUSE PAYMENTS ARE BEING MADE, HOW IS THAT MY PROBLEM OR MY FAULT, WHEN I AM TELLING YOU THAT THESE ACCOUNTS ARE NOT MINE AND I AM NOT MAKING ANY OF THE PAYMENTS, WHY ARE THE CREDITORS ACCEPTING THE PAYMENTS WHEN I AM TELLING THEM THESE ARE FRAUDULENT ACCOUNTS. THEY ARE DOING THIS ON PURPOSE TO RUIN MY LIVELYHOOD.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is no longer assigned to this account. I have attempted numerous times to reach out to them to have information updated and their company removed from my tradeline. The current company assigned to this account is XXXX XXXX XXXX XXXX.  Attached is the documentation for verification as well as account update information.
Consumer complaint received 2016-10-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (TX)

I previously sent a dispute for this company to provide me with documentation showing how I owed this debt and they only updated the XXXX credit bureaus with a statement that it is validated. I would like to know how this company verified the debt as being mine and what methods were use to verify the debt is mine. If they can not provide me with this information in a timely manner, this debt must be removed and updated with all XXXX credit bureaus
Consumer complaint received 2021-02-19
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. (LA)

Filed numerous complaints and disputes with XXXX  and XXXX  also Experian and showed proof of inaccurate reporting on my credit with no results will attach all info
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all XXXX credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.
Consumer complaint received 2022-07-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all 3 credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.
Consumer complaint received 2020-08-14
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. (CA)

I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all XXXX credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.
Consumer complaint received 2022-07-22
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. (LA)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX XXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$8900.00}
Consumer complaint received 2020-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Started month of XXXX a late payment all the way up to Month of XXXX. Advised was in hospital XXXX with XXXX and XXXX   discharged XX/XX/XXXX. Spoke w/Capone same day. I spoke with them 2/3 times a month. Every month credit reports stated 30, 60, 90 days late. Even with terms of agreement with Capone my credit report was reporting delinquent. 
Capone every month said they sent in a corrected and updated report. But each month it came back again. Delinquent. Balance would go down but a new month of delinquent report. 
The following month bal goes back up payment not reflected and delinquent again. This is with all credit reports. 
All have different balances for capital one accounts. I have been ask for updates to be investigated and corrected. I would also like to know what is my legal rights with this on going problem with capital one. This is harassment.
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/XXXX, XXXX XXXX XXXX, a debt collector, called my husband 's business cell phone seeking to speak with me. They purportedly believed the number to be mine. They stated to my husband that I had owed a debt for a Barclays Juniper credit card that was supposedly opened in XXXX and defaulted in XXXX. 

My husband let them know that he would discuss the matter with me, as we were not married until XXXX and he had know knowledge of such a debt. Frankly, neither do I, I don't recognize the account, and have had prior issues with family members opening and operating accounts in my name. My husband and I requested that they send evidence of the validity of the debt, and they sent a letter on their letterhead identifying Barclays Juniper, the amount of {$1300.00} as owed, and a settlement offer of {$750.00}. My husband and I each spoke with XXXX XXXX XXXX on XXXX and advised them that the letter they send in no way indicated evidence of a valid debt. We requested a signed credit agreement, list of charges, etc, which they refuse to provide. They claim that they do not have to provide such evidence. On the letter they sent, there is a provision stating that information about the original debt may be obtained by written request. I have requested this in writing, but only today, XX/XX/XXXX, not even four full days after first being contacted about this matter. 

Yesterday, The collector once again called my husband on his business cell phone, this time threatening legal action if the matter was not immediately resolved. My husband once again stated that the information they provided was in no way evidence of a valid debt, and that we would not settle some phantom debt, that we would need to see evidence that the debt was valid. The exchange became heated and the collectors threatened that we will be responsible for more than {$3000.00} in legal fees when they serve us. 

Today, my husband received yet another call on his business cell phone, from a person claiming to be a XXXX XXXX ( AZ ) process server advising us that we will be served court papers today. This is deplorable, as they refuse to provide evidence of the debt, and are now apparently taking us to court. I am hard pressed to think that they are within their rights to refuse to provide evident of a debt that we do not acknowledge, and actively contest. As such, we seek the intervention of your agency. We have also filed a complaint with the New York Division of Consumer Protection as the address shown for the collector is within New York State.
Consumer complaint received 2022-07-22
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (FL)

Threats from Global Solutions Biz keep coming in non stop at my business. I have sent in repeated communications both verbally and via email. I have told the employees they are fraudulently trying to collect on a debt. The threats still keep coming. This person has also called my place of business anonymously using vulgar language towards me. My employees and other people at my business are scared. This person is also emailing from a personal gmail account. This has SCAM written all over it. 

See below two emails : Thanks for the update. I'll reach XXXX here a little later. 

On Tue, XX/XX/2022 at XXXX XXXX XXXX wrote : XXXX XXXX XXXX, I have asked you to stop harassing my business. XXXX XXXX was, nor has EVER been authorized to solicit any loan, funds, or anything else. If you move forward with any such lien, you and your company will be reported to the attorney general for fraud. I see your company has been already prosecuted many times for such fraud cases against businesses and consumers. If you need to communicate with me professionally instead of calling my company anonymously and cussing at me which constitutes threats against my company and employees, you and your company will be reported to federal law enforcement. All calls in to my business are recorded. Do NOT contact my company, myself, or any such employees ever again. I am, and have been 100 % owner of the company, and the only one authorized to make any such decisions which I have never authorized ANY financial LOAN. I told your company this NUMEROUS times. I have also asked for the proof. You company has never provided any such records. If you do need to communicate with me for any such reason, the mailing address is below. DO NOT RESPOND OR SEND US ANYMORE COMMUNICATIONS ( including phone ) UNLESS BY SENDING TO MAILING ADDRESS BELOW. 

XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Managing Director -- XXXX XXXX Lien Enforcement Department Global Solution Biz LLC . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Georgia XXXX -- -- -- -- Original Message -- -- -- -- Subject : XXXX XXXX Enforcement XXXX Date : XXXX XXXXXXXX XXXX  From : XXXX XXXX XXXX To : XXXX, XXXX XXXX, we are sending out a Quick Track Enforcement team to your business and home address to gather an organized list of assets. This is needed to initiate the process of monetizing the assets you pledged under your security agreement. Please reach out to me to schedule a time. If no time is scheduled they will arrive unannounced. Also, today I initiated the process of freezing and attaching your bank accounts per Article 9 of the Uniform Commercial Code. Thanks in advance, -- XXXX XXXX Lien Enforcement Department Global Solution Biz LLC . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Georgia XXXX