davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

I received a letter of foreclosure dated XXXX XXXX from Nationstar/Mr. Cooper and I did not understand why when I called them to inquire why I was receiving this they told me they couldn't speak to me about anything because my ex wife filed bankruptcy in XX/XX/XXXX but this was after she signed over a quick claim deed to me on XX/XX/XXXX which was received and notarized by the register of Deeds. Nationstar/Mr. Cooper stopped sending me mortgage statements so I have been making my mortgage payments based on what I had been paying all these years. In XXXX I had received a Escrow Review statement from Nationstar/Mr.Cooper which stated I had a shortage or {$190.00} and beginning XX/XX/XXXX my mortgage payment would be {$1300.00} and then all of a sudden I receive a Foreclosure Notice which no one wants to give me any information and I'ts very frustrating, how can my home be in foreclosure when I have been paying my mortgage all these years It seems since Nationstar switched to Mr. Cooper It's been nothing but problems..
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2018-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC (KS)

Hi, I have filed a report against this company and filed a report with Visa. They have withdrawn money from my account first my debit card and then processed through my bank account and withdrew money twice. One day was a scheduled payment and the other day was on a day that was not authorized. There was no notification that was sent to me that they were going to withdraw another amount from my account two days after they withdrew money for the loan payment. I filed a dispute with Visa and they filed back and stated they have every right to withdraw when they want. I never signed paperwork stating that they can just withdraw money from my debit card whenever they want. It states clearly in the contract if they cant withdraw from the checking first then they will withdraw from the debit card on the account. Which they already withdrew from my checking and then ran it through my debit card.
Consumer complaint received 2019-04-29
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. (GA)

On XX/XX/XXXX I received a copy of my personal credit report from Experian credit reporting and found out they were reporting 2 accounts from XXXX XXXX services that I did not recognized. I wrote the company on XX/XX/XXXX requesting verification as per the Fair Credit Reporting Act. They send a generic letter stating that they have verified the account that is mine. I wrote again on XX/XX/XXXX requesting proof of the verification to include a contract/agreement with my signature and all other information to verify the account is mine. They responded on XX/XX/XXXX with the same letter as the one I received on XX/XX/XXXX same respond that they have verified that the account is mine. They did not provide a proof of verification or anything to show that they verify the account. I wrote XXXX XXXX at the Executive Office of XXXX on XX/XX/XXXX requesting proof and verification that the account is mine. They responded with statements for a company name XXXX XXXX XXXX. I send Ms XXXX another letter on XX/XX/XXXX letting her know that this is not my company and again requesting proof and verification as required under the Federal Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ). To date I have NOT received any respond to my second letter. It has been way over the 30 days require by law. I wrote Experian again on XX/XX/XXXX, included the letter and respond from XXXX. Letting them know that since XXXX has been unable to provide proof and verification of the account. If they the reporting agency are unable to provide proof and verification that the accounts should be removed from my personal credit file. They responded stating that they have responded to me before and will NOT respond or provide any verification. This is clearly a violation of the Fair Credit Reporting Act. For months I have been trying to get this resolve. Experian has yet to provide the proper proof of verification require by the Fair Credit Reporting Act however they continue to report accounts on my credit report that is unverified and not mine. This bad reporting is causing severe hardship for me and my family and non of these companies involve is concern. This has affected my ability to get a job, to get credit, to send my son to school, to get my professional certification to help better my life. This has made it extremely difficult for me to provide for the basic needs for me and my family. I am in desperately in need of your help to get this company to remove the unverified accounts from my person credit report. They do not care how this is affecting me despite the numerous times I have reach out to them.
Consumer complaint received 2023-03-31
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: EdFinancial Services (NY)

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 2019-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. XXXX XXXX  FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I deposited XXXX dlares inside a Bank of America ATM the ATM had an error it chew up my money did not processed my money in I did not receive the slip summary of my deposit but only a receipt with a number to call I went inside the bank to look for someone to help me I was inside the branch for about 1 hour they even helped to call the claim department but nothing was successful the claim department told me they would credit my account later with the XXXX dollars so Bank of America actually did credit my XXXX 2 weeks later I thought everything was fine but 45 days later I was checking my online banking and they had my account minus XXXX I called them and they said that they never found extra XXXX dlares in that ATM they have overdraft my bank account now I cant use my account I cant deposit money they want me to pay the XXXX back to them I have been calling this people everyday spoke with they claims department everyday they said my claim is close already I told them I was going to tell my local News who help the community consumer complains to make this publish and help me thats how I make them to reopen my claim again I told Bank of America to check the footage of the ATM vdeo record they refusing to do it the last thing they said was they couldnt find any footage how come in 2019 there is no way for Bank of America to obtain a footage of your ATMs I know Im not crazy and I know for sure if the check the cameras they would show up Me making a deposit on XX/XX/XXXX Getting the lil slip with a number to call because it was a error with the ATM XXXX 
please I need some help thank for reading do not trust Bank of America
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (NV)

My Original Creditor XXXX XXXX Hospital transferred my medical debt to XXXX who reported my debt to collection on XX/XX/2018. In my belief, this was not within the 180-day grace period for consumers to resolve any medical debt before it appears as a past due amount on their credit report. My last payment was XX/XX/2018. As soon as I received a letter from XXXX  on XX/XX/2018, I tried calling but kept getting transferred saying that my account is on a different department, or will be given a different phone number to call. I would also receive a regular call/voicemail which is an automated person when answered. 
My main concern is that I have tried to the best of my ability to settle this debt and yet I can never get a hold of someone who actually handles my account. It's very unfair when it showed up on my credit report, bringing my score 100 below and not being able to get a hold of the creditor. 
I have also tried disputing this with XXXX, but I couldn't explain my situation with the very limited words I can use to dispute online. 
I have attached a phone log with different phone numbers of XXXX, as well as the actual bill with my written notes. I have also attached my last payment to XXXX XXXX Hospital. 
Thank you very much.
Consumer complaint received 2019-04-29
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. (WA)

on XX/XX/2018 my account with XXXX  acct XXXX, whom was my mortgage company was payed in full..i then wrote a complaint here regarding the incorrect report to XXXX, transunion and XXXX   regarding the listing of status of loan..in which at that time still listed the account as 120 late but with no past due and XXXX  balance.. XXXX  did correctly list the payed off account as paid in full with lates ..which is correct..but to this day on the transunion and XXXX   account reporting it states : status of account. 120 late..in which is not correct..also the two are reporting just no past due..XXXX  balance..
Consumer complaint received 2020-01-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (OH)

I have been working with reliance first capital llc out of Ohio. This process started in XX/XX/XXXX. We found a house in XX/XX/XXXX and began the process of an fha loan with myself as the borrower. I had a bankruptcy in the past with a discharge date of XX/XX/XXXX. I do however make over XXXX $ a year. 
From XX/XX/XXXXXXXX XX/XX/XXXX I have sent all documents including court papers. My attorney wrote up documentation and also sent documents. The underwriter stated he does not see enough evidence and will not allow a loan until XX/XX/XXXX 2 months after the discharge date. The underwriter has asked for item the I feel are outside of the scope of this loan. Including student loans from 20 years ago.
Consumer complaint received 2023-04-04
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. (NC)

In accordance with the Fair Crede Reporting act, The List of accounts below has violated my federaly protected consumer rights to privacy and confidentialty under 15 USC 1681. 
Account name : # XXXX loan services # last XXXX Account name : XXXX # last XXXX has violated my rights. 
15 U.8.C 1681 secsion 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Secion 2 : also states a consumer reporting agency can not fumish a account without my written instructions.

15 U.S.C 1681e. ( 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. 16815-2 ( AX1 ) A person shall not furrish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonabile cause to believe that the information is inaccurate
Consumer complaint received 2023-04-04
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. (NY)

I am writing to request that the dispute settlement account from XXXX XXXXXXXX XXXX be removed from my credit report. I recently settled a debt with XXXX XXXXXXXX XXXX for {$470.00} and the debt was paid in full. As a result, I would like to have the dispute settlement account removed from my credit report. I am providing a copy of the settlement agreement and payment receipt as proof of the debt being settled. I am also including a copy of my current credit report so that you may verify that the account is accurately reported. I thank you in advance for your prompt attention to this matter.
Consumer complaint received 2023-04-04
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 TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  Date Opened : XX/XX/ Balance : {$24000.00}
Consumer complaint received 2023-04-04
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. (PA)

the payment history of this closed account was not accurately reported to all 3 credit agencies this is inaccurate reporting. pursuant to 15 usc 1681 ( a ) Accuracy and fairness of credit reporting, I was never late and also a violation of 15 usc 1681b ( a ) ( 2 ) i did not give written notice to furnish or report any information about me.
Consumer complaint received 2023-07-03
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)

XXXX I have sent multiple letter trying to dispute the inaccurate and negative information thats being reporting to my experian credit report. Experian has refused to do a proper and thorough investigation. I have attached three of many letters thats been sent to experian.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax 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 2023-04-04
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-04-29
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. (TN)

On XX/XX/2019 I went to my local XXXX store in XXXX Tn and singed up for the Veterans phone plan with financing for 2 XXXX phones. The XXXX of the store informed me that because my husband was a veteran we qualified for this plan and that it could be in my name since we were married. However this information was incorrect and according to XXXX policy the plan had to be in my husbands name, which we found out a few days later when I tried to verify his veterans status and was unable to do so since the account was in my name. We then had to go back into the store and switch the entire account including the phones financed into his name. At this point I called XXXX and asked them to remove the hard inquiry from my credit score since it was not fair to have an inquiry on my account for a phone plan they had sold me using false information. They agreed that this was reasonable and that they would authorize the removal but that I needed to contact consumer finance to get the hard inquiry removed with the credit reporting agency 's via a letter of deletion. On XX/XX/2019 I contacted Trans-union, XXXX, and XXXX the 3 credit reporting organizations which I know about and tried to dispute this hard inquiry. As of today only XXXX has record of it however I assume that it will show up on the other 2 scores at some point in the future and I need a letter of deletion so that I can dispute all 3 as they appear on my score.
Consumer complaint received 2024-03-06
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-04
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. (WA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-04-04
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. (CA)

My name is 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 reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset  Amount : {$0.00}. Please delete.