davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NJ)

Rushmore Servicing/Mr. Cooper/Nationstar continue to not answer our questions in our complaints with CFPB and/or lying by omissions in their answers.

They have now contradicted themselves, once again, in stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is NOT the investor while continuing to state on the recorded phone calls on XX/XX/XXXX & XXXX XXXX, that XXXXXXXX XXXX XXXX XXXX XXXX the investor on the loan in question. Rushmore is also stating that a Referral For Foreclosure letter was sent by XXXX XXXX XXXX on XX/XX/XXXX that claims that the investor is XXXX XXXX XXXX XXXXXXXX for XXXX and this letter was the start of a foreclosure complaint in NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX with the Plaintiff being the investor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This is A clear violation of the laws of the NJ XXXX  Court. 


We are Requesting the CFPB makes Rushmore Servicing answer truthfully for what we are now demanding the answers to as they continue to avoid answering all questions asked regarding : XXXX why the Referral Letter for Foreclosure XX/XX/XXXX and the Foreclosure complaint by XXXX XXXX XXXX XX/XX/XXXX contradict each other when they named two different investors for the same foreclosure complaint... 
XXXX. When and how was XXXX XXXX involved in the Foreclosure complaint from XX/XX/XXXX through XX/XX/XXXX and why did XXXX XXXX office state that many mistakes were made on recorded phone call and the file has been closed as of XX/XX/XXXX. 
XXXX. What exactly is the line by line item for the total of {$3300.00} for the foreclosure fees by XXXX XXXX XXXX which seems to be outrageously high for less than 2 months of time of foreclosure activity, ( to say nothing that it should have taken place in the first place with the mistakes and errors and contradictions and why it was dismissed on XXXX XXXX. XXXX, why is it still against the account & being worked on to be removed by XXXX XXXX XXXX as of this time and date... 
XXXX. Why is Rushmore response to the previous CFPB complaint state a Notice of Default Demand Letter was mailed in XXXX XXXX Rushmore Loan Management Service XXXX XXXX ). How can that letter be mailed by RLMS when they merged assigned Servicing to Rushmore Servicing/Mr. Cooper/Nationstar merged on XXXX XXXX. 
XXXX. How was the XXXX XXXX Rushmore Mortgage Statement Accelerated to {$770000.00} and yet the XXXX XXXX Statement no longer has accelerated figure and we need a full explanation for the {$290.00} maintenance fee and {$5100.00} in legal fees on the Rushmore Statement. As no maintenance on the property of XXXX XXXX XXXX has ever taken place on behalf of Rushmore Servicing and the legal fees are above the {$3300.00} stated above by Rushmore response for XXXX XXXX XXXX.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

According to the Fair Credit Reporting Act, a credit bureau must delete accounts off of a credit that is older than 7 years. XXXX XXXX is an account that is showing on my credit report and it's older than 7 years. The FCRA confirms that this account should no longer be showing. When looking on my Equifax portal, there is no option to dispute this electronically. Here are the details of the account : Credit Bureau : Equifax Creditor : XXXX XXXX Account Number : XXXX This account has reached its age limit and must be removed via Fair Credit Reporting Act standards.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have reported several times identity theft of my social security card and identification card. Someone has been using my identity. 
15 USC 1681 section 602 A States I have a right to privacy. 15USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containg any of the following items of the information, any ther adverse item of information other than records of convictions of crime which antidates the report by more than seven years. 15USC 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 2021-02-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (SC)

This complaint is about Conn 's stores. I purchased a full bedroom set and a 55-inch TV. On XXXX, the banks were closed for the holiday, and my paycheck had not cleared. Conn 's attempted to draw the payment but could not. On XX/XX/2021, I went online and paid the monthly installment. As I was making the payment, I received a call from Conn 's. I explained about the bank being closed and that I had just made the payment. I informed them I only get paid twice a month and that I wanted to change the autopayment date to the XXXX of each month. I was informed that I could not make the date change but that I have 10 days after the due date to pay the bill. Also, to change the date, I would have to have the account open for 45 days. She then suggested that I do not change the date, since it is only a couple of days and that if I paid before the 10-day grace period I would incur no late charges or interest. Since that conversation on XX/XX/XXXX, I have been called 8 times, sometimes twice a day. The latest 2 calls were received today, XX/XX/2021. XXXX 's still shows my account as past due even though the payment hit my bank on XX/XX/2021. The calls are coming to both my work and cell phone number. Several times when I answer my work number, the caller says nothing and hangs up. I have requested that they remove my number from their auto-dialers but to no avail.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-06
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. (NY)

On XX/XX/20 I wrote Experian about being a victim of identity theft. After reviewing my current credit report this fraudulent account XXXX XXXX XXXX XXXX is still reporting and is causing harm to my credit file.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (KY)

I saw a XXXX charge on my card through online banking for {$630.00} in a city I have never been to. I called PNC and told them about this fraudulent purchase and they stopped my debit card. I got a new card but PNC refuses to refund me despite me filing a police report. I have had to file several disputes with PNC but they still refuse to give me my money back that was outright stolen out of my account. Now I feel like my money isn't safe in a bank.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NM)

No positive payment history reported from repayment of XXXX loan XXXX loan 19 month auto pay 1 week early. previous auto loan payment history from XXXX multiple satisfied obligations. Improper use of reports not fair and equitable additional payment history incorrect no payments ever late or United States of America failing to fulfill obligations and direct any outstanding obligations past future present as all debts public and private are responsibility of The United States of America department of the treasury so must be a accounting mistake because the United States of America always pays its debts. I am just a beneficiary of a sound mind. Trustee failing to perform fiduciary duty.
Consumer complaint received 2020-12-05
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. (FL)

I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2020-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a world finance account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable
Consumer complaint received 2020-05-16
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: JPMORGAN CHASE & CO. (TX)

I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.
Consumer complaint received 2024-02-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (PA)

Induced by wells fargo bank they forged HELOC documents and consumer XX/XX/XXXX filed police report about the matter. XX/XX/XXXX had to made payments or else looser they home which is paid off. Required documents from wells fargo bank about the credit balances by the failed to provide the disclosure information. Billing error disputed request under 12 CFR section 1026.13 et seq requested Wells Fargo Bank never provide information XX/XX/2023.

They just keep sending billing statements. They filed foreclosure on XX/XX/XXXX on XX/XX/2023 to take They home.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date opened>> XX/XX/2016
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2020-12-05
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. (FL)

I have disputed the following accounts directly with the credit bureaus but did not receive any response : 1. XXXX XXXX XXXX - Account # XXXX* 2. XXXX XXXX Account # XXXX Please investigate and delete asap.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

On 2 separate occasions I have attempted to access and manage my credit freeze with Equifax. They have blocked my ability to do so online and through their automated telephone services. The first time I attempted to contact them in XX/XX/2020, the hold time was unacceptable and I had to hang up. The second time, the hold time was about 45 minutes and they still failed to help me access and manage my credit freeze without calling them and adhering to their telephone wait times. The other 2 bureaus have a much more customer friendly and timely service to allow management of a credit freeze.
Consumer complaint received 2024-02-17
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. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-17
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. (PA)

I have a closed account from XXXX on my credit report with a balance on the account. I do not even have a card with this company anymore. I have tried to call XXXX several times since XXXX of 2023 to get this resolved numerous times Im not sure why the account has a balance since the account is closed the balance is XXXX dollars about to be 90 days without being pd but this balance is not my responsibility. This account is closed. This balance is not my responsibility as the account is closed this is their error and they keep saying its fixed yet every month its showing up on my credit report looking unpaid like its my balance abd responsibility Ive also disputed this to the credit bureaus but to no avail. I continue to call XXXX every week almost to get this resolved. They tell me allow time for it to be resolved and it still is not. This is messing with my credit score Ive asked them to remove this several times and have reported this several times to the three credit bureau agencies and this still is not fixed or removed from my credit report. I honestly dont t know what to do anymore as this keeps going in circles since XXXX of 2023.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am following up on my previous complaint, marking my XXXX endeavor in addressing the distressing issue of identity theft victimization. Diligently, I have lodged disputes for the inquiries and erroneous information stemming from this criminal activity. The items under dispute bear no relation to any transactions involving the lawful acquisition of goods, services, or funds authorized by me. I implore you to expunge the reporting of these inquiries from my credit file, as they are the direct consequence of alleged identity theft. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I urge you to promptly address these discrepancies.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2024-02-17
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. (TX)

I am contesting the information on my credit report that I believe is not accurate.I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, ITMm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.