davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

While in active bankruptcy in XX/XX/XXXX, Nationstar offered us a loan modification that was fraught with problems. We had been in a " predatory, '' adjustable rate mortgage. 

To start with, we didn't receive the offer until the day it was proposed to start, XX/XX/XXXX. 

There were many, repeated inconsistencies and instances of contradictory information involved with the offer, including whether the payments would be interest-only, or principal and interest. Over the next many months, I attempted to verify what the exact terms would be, including start date, payment amount and to where payments should be sent. 

These terms were not clearly defined until the court filings began to discharge the BK in XX/XX/XXXX. In the filing, Nationstar listed the terms as 2 % interest, principal & interest monthly payments of {$750.00} over 262 months, with remaining balance due thereafter. The filed exhibit is attached. 

The discharge was approved by the court in XX/XX/XXXX. 

Since then, Nationstar has filed a motion to reopen our BK case, in order to change the terms from what they have termed a clerical error. The terms listed with the court were delivered to us many times since the original loan mod proposal, both vocally and in writing. 

Nationstar is claiming an arrears we owe, and that amount has never been sufficiently explained to us. In addition to uncollected mortgage payments ( some were returned ),  they claim " legal fees '' and inspection fees, none of which have been clearly revealed. 

In addition, Nationstar is basing the arrears on the pre-loan mod adjustable rate mortgage, not the lower modified payment amounts. Since XX/XX/XXXX, the past due amount has doubled with little or no justification. 

A claim Nationstar has made is that since we defaulted on the XX/XX/XXXX modification by being one month delinquent, the loan mod is void. However, that agreement originally set to start XX/XX/XXXX, wasn't fully executed and delivered until XX/XX/XXXX, leaving us no chance to make a payment in time. 

Further, prior to the full execution of the loan mod, I was told on more than XXXXne occasion that the start date would be pushed a month or two or more ahead. 

We have filed an opposition to Nationstar reopening the BK case to change the terms of the XX/XX/XXXX modification. A trustee sale date of XX/XX/XXXX is on hold, pending a new loan mod application. However, any mod offers since XX/XX/XXXX have offered little to no savings at all.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (NV)

I co signed for my mother so she can get a car with Ford Motor Credit Company, eventually she lost the car because she stop making payments. Ford took the car and sold it but never contact me about the car, I was willing to keep paying the car but Ford never call me or send me a letter notifying me of what was going on with the car.They send me a letter after they sold the car but never before. I'm very upset I called them asking why they never called me to ask me if I was interested in continuing making payments for this car, they told me the car was sold and hang up the phone. This is affecting my credit and I don't think this is fair, you guys never count with me to sold the car even though I had my rights because I was the co signer, that was a violation of the law. I want you guys to remove the loan from my credit report otherwise I will take legal actions against Ford Motor Credit Company.
Consumer complaint received 2018-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

I received a letter from Radius Global Solutions LLC ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with XXXX XXXX, nor have I ever opened an account with them. The info that I was able to get from Radius Global Solutions is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX XXXX is not FDIC insured. I have requested a dispute through Radius Global. I have run a credit report and XXXX XXXX  shows up as under " soft inquiries '' on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. 

XXXX XXXX : XXXX
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I am DEMANDING an alleged account ending in XXXX be canceled and closed immediately. The above account was created in error originating from an XXXX XXXX, XXXX. Any possibility of seeking financing was never desired, never offered, nor discussed. Per FCRA 623, you may NOT willingly report on my consumer credit profile ANY information you know to be false. My financial status is self-evident in that I have never needed financing for merely a {$3600.00} carpet installation. At this time the {$3600.00} has already been paid in full directly to XXXX XXXX, XXXX.
Consumer complaint received 2017-06-20
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. (NV)

My student loan was suppose to be deferred until XXXX. Late XXXX/early XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all 3 credit bureaus that I was late and it dropped my score 100+ points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay XXXX {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to XXXX that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted XXXX repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

At the time of that vanity to gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope I submitting this it will put a stop to this issue from ever occurring
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

I made a large deposit with the teller ( 03 ) at my PNC Branch ( XXXX ) on XX/XX/XXXX at XXXX. I also requested a new ATM/Debit card because my existing card had a degraded magnetic stripe. I gave my old card to the teller and was told it was deactivated. The teller then told me she was unable to provide me with a new card, and that it would take 7-10 business days to be mailed to me. This leaves me without electronic access to my account until next month. I use this debit card to pay my monthly bills, buy my groceries, buy gasoline, and order dog food off XXXX. I do not feel safe carrying large amounts of cash. The teller offered no recourse and was dismissive of the disruption this will cause me. Furthermore, the funds from the {$10000.00} deposit I just made are unavailable until the checks clear, so I can not just close this account and go to a different bank that is able to offer me a working debit card. I have been a PNC customer since XX/XX/XXXX.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (DE)

I made a cash payment for {$100.00} to satisfy my minimum payment. On XX/XX/18, I paid {$1400.00}, Lowes updates my account showing payment was received. However its being reported on my credit report as having only {$550.00} available out of {$2000.00}. I spoke with several managers who advised me bcs my account is new, theyll hold my account for 10 days. I never bounced a check or paid late. One manager stated bcs I made a cash payment for {$100.00} and paid {$1400.00}, which was an electronic draft from my credit union. It looks suspicious. I feel like Lowes is discriminating against me. I want my credit available and to be reported I have a XXXX balance with {$2000.00} available in credit. 

XXXX XXXX located in North Carolina
Consumer complaint received 2023-03-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am complaining about your non compliance to the request I sent you about the identity theft issues I had. You have been ignoring me like you didn't receive my letters when I can actually track them and I also have proof of them. May I remind you that not responding to consumer letters are punishable by law and I have documents that can prove them.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, a debt collection was reported to my Equifax credit report by a collection agency seeking to collect a debt from an insurance provider. I had never held an account with the insurance provider. Upon reporting potential fraud on this account to the insurance provider, their fraud department determined that this debt belong to another person who shares my same First & Last Name, same Date of Birth, but with DIFFERENT Middle Name ( and thus different middle initial ), did NOT provide ANY Social Security Number, has a different Drivers License Number and who lives in the same State but at an address that has never been linked to accounts or credit under my name, an insurance policy on a car that I have never owned. Yet just because the First Name, Last Name, State and DOB matched, that was enough for Equifax 's system to permit a collection agency to place this debt to my credit file. After mant calls and letters sent to the insurance company, the debt collector and Equifax, I was able to successfully remove it from my account, but it is time and stress I will never get back. My expectation was that Equifax would require vital info such as Social Security Number, Drivers License, correct Full Name, address etc to properly verified before letting any issuer pull my credit or any debt collector place a collection on my file. The burden of proof should be place on the issuer or collector to sufficient information to identify the CORRECT person and prove the account or debt belongs to them. 

Months after this incident, Equifax yet again permitted an issuer to pull a hard inquiry on my credit file and an account was almost opened if not for MY intervention calling the issuer to report fraud upon receiving a credit monitoring alert about the inquiry. In this second incident, only First Name, Last Name, City, State and Zipcode match, nothing else. No social provided, different Drivers License, different DOB, different StreeXXXX Name and House Number, different phone number, different email address. I included more details on this matter in a separate complaint. 

Equifax must improve their policies & procedures, make sure issuers and debt collectors need to provide sufficient info to fully verify the true owner of the account or debt, and make it impossible for a issuer or debt collector to change a credit file with just a matching name and state, or name and DOB. At least a social security or license number should be a minimum, plus a cross reference with existing credit file info to see if address phone number etc matches. If insufficient info is provided, Equifax system should cause an error on the reporting system side to alert the issuer or collector to enter additional info to properly verify the true owner. Randomly assigning it to someone else with simply the same name should not be permitted.
Consumer complaint received 2022-03-12
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. (OH)

I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXX XXXX XXXX ohio XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OHXXXX all the accounts will be highlighted on credit r

eport as well its 17 that are listed in the bankruptcy and the report ic systems needs removed never done business with nor should they have my medical info. all hard inquires removed except for the two open accounts
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

Bayview Loan Services still continues to lie about the facts of my complaint.

1. They have yet to disprove my claim of the over paymentom my loan. Their answer is, " this matter closed. '' If indeed the amount of the refund of {$2600.00} was incorrect, this should have been resolved at the time the check amount was agreed upon. The issue of the check at {$2600.00} is their admittance that the over payment amount, with the check register I sent them, from my bank account, was correct.

2. Since they have admitted their incorrect accounting, no late fees should apply. These need to be removed. All payments have been received by Bayview before the XXXX  of the month. Again, I sent a copy of my bank statement showing the dates all payments cleared. It took Bayview nearly 3 months to refund my money, yet I do not get to charge them a late fee or interest!
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Last XX/XX/2018, I disputed my XXXX - XXXX to the credit bureaus and this company has been reporting incorrect and incomplete information. They are misreporting the account every month as an open account, instead of an account that was charged off. Theyve also omitted the date of last payment to make the account look like a recent debt, this is a violation of the FCRA and harming the credit report and score more than legally permissible. e than 30 days have past and nothing happened with my dispute and did not receive anything from the creditor. 

I also disputed the following items on my credit report to this company : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX- XXXX and XXXX XXXX- XXXX all of which are showing incorrect and incomplete information. I requested an investigation to be completed within 30 days, but this company blatantly neglected and did not comply with FCRA stipulations.
Consumer complaint received 2023-03-19
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. (MD)

In accordance of the credit reporting act the following creditors has violated my rights by publishing my credit cards and consumer cards account as late. 
- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance of the credit Report act, 15 USC 1681 Section 602 state " I have a right to privacy ''.

In accordance of the credit Report act, 15 USC 1681 Section 604a section 2 state " Consumer reporting agencies should not furnish any account information without my written consent ''.

In accordance of the credit Report act, 15 USC Section 1666 B state " A creditor may not treat a payment on a credit card or open consumer account as late for any reason '' Therefore the credit reporting agencies such as XXXX, TransUnion and XXXX have violated my privacy right.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2017-06-21
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: Credit Karma (IL)

i went and see my credit report online on Credit Karma and I 've seen a lot of bank accounts that someone use my social number and open them. I just need all of them to remove from my life. I can list all of them for you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is all the accounts that i have never regonize. i really need them to dispute from my credit reports.
Consumer complaint received 2018-10-24
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. (NV)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-03-20
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. (PA)

My name is XXXX 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 2022-03-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

The 3 Major Credit Bureaus list me as NOT having a mortgage although, I have submitted supporting documentation demonstrating that I indeed have a Mortgage. The mortgage was transferred from XX/XX/XXXX ( XXXX ) to BSI Financial Services and Partial VA Claim Form clearing a Forbearance that was registered in XX/XX/XXXX was approved.The VA Partial Claim indicates that the amount of the Forbearance is to be added to the current end of my mortgages maturity date and that my mortgage is NOW Current and that I didn't have a payment until XX/XX/XXXX under the new agreement. However, I continued making Loan Payments first to XXXX from XX/XX/XXXX to XX/XX/XXXX and then BSI Financial from XX/XX/XXXX until today XX/XX/XXXX. Loan Payments weren't required under the VA Claim until XX/XX/XXXX, I have continued to make my Mortgage Payments, since telling XXXX that I wanted to end the Forbearance in XXXX. My credit score has been negatively impacted by this. I have contacted leadership at BSI Financial twice asking that they intervene. Both times via email. I have requested that BSI Financial, please reflect the fact that I have a Mortgage with the Credit Bureaus, most recently with an email on XX/XX/XXXX at XXXX EST. All of the information within the Document Center of the BSI Financial online portal is NEGATIVE and none of it recognizes the VA Claim, the new Mortgage with an end date of XX/XX/XXXX. I am barred from electronic payments. I consistently receive statements saying that I owe {$32000.00} due immediately. However in conversations with BSI Customer support I am told " everything is ok. '' They are " working through the issues ''. The " online portal will be fixed. '' and the " Credit Bureaus will be contacted '' and my " Credit Reports updated ''. However, nothing has changed in the past 3 months. There is NO Documentation from BSI Financial acknowledging the VA Partial Claim. There is NO Documentation stating that my new Loan was transferred on XX/XX/XXXX and that payments start XX/XX/XXXX. There is NO Documentation stated that the Credit Bureaus have been contacted. There is NO Documentation with any related " Disposition '' information, or Next Steps or Action Items for me. Please contact the Atty XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX mentioned in the VA Claim if there is a need to verify that the VA Claim was approved.