davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-12
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I got a Reverse Mortgage in XXXX 2009. My original principle was {$100000.00}. I have only drawn out {$38000.00}. I am not finding what happened to {$31000.00}. I have requested a complete schedule of withdrawals and an available balance numerous time, and have only received partials.
Consumer complaint received 2017-12-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

On XX/XX/XXXX I requested a draw from my Reverse Mortgage credit line of the full amount stated on my XX/XX/XXXX statement of {$190000.00}, see attachment. This Reverse Mortgage was originated by XXXX XXXX over a decade ago and serviced by XXXX XXXX until XX/XX/XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX XXXX Tx. Phone XXXX On XX/XX/XXXX I contacted XXXX XXXX, they said they had my request, but do to the size of the request it had to be reviewed by HUD, a second XXXX agent said XXXX XXXX and XXXX XXXX  When asked how long it would take XXXX said " they '' dragged their feet and could not say. This is a FHA backed HECM.

I am in full compliance of the terms of my reverse mortgage i.e. I live in my home, it is in good repair, insurance and taxes paid. The request form from XXXX says monies would be placed in my XXXX XXXX account or a check mailed within 5 business days. At XXXX years old and making only the second draw on this costly credit line in ten years I feel mistreated. I will provide any information or documents immediately
Consumer complaint received 2017-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

Coinbase ; XXXXXXXXXXXX is the account ID : Bank reversal from XXXX weeks ago in the amount of {$410.00} has locked all of my funds now in Coinbase where I have {$1000.00} XXXX Coinbase support still has not unlocked my account to let me buy sell to cover the {$410.00} bank reversal. So, I put the {$410.00} onto a card for Coinbase to get. Coinbase said they were going to take it off card but did not and account is still locked. I told them they can also just take it out of my account as I have enough to cover it. I NEED MY ACCOUNT UNLOCKED TO GET TO MY MONEY! 
In attached copies of emails, you will see that XXXX guy ( coinbase support ) told me to replace the digital funds ... which would now cost me twice the amount. NO!
Consumer complaint received 2017-12-02
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)

Equifax refuses to delete XXXX XXXX XXXX XXXX. I have submitted my ID theft affidavit by certified mail back on XXXX XXXX and placed a fraud alert on my account. XXXX and XXXX have deleted the fraudulent collections. I am requesting that equifax deleted the fraudulent collections has I have not done business with these companies not have I applied for any accounts with these companies! Section 605B states that the Credit bureaus must delete and block the fraudulent accounts from reporting after receiving the proper documents. If not deleted within 4 days of receiving this complaint my attorney will be forced to file a lawsuit which would be in my favor as XXXX XXXX Equifax information services, LLC ( XXXX. ) XXXX. Equifax has violated the federal law and I am well aware of my consumer rights.
Consumer complaint received 2023-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (VA)

I recently noticed XXXX ( XXXX ) collections accounts listed on my consumer report. The corporation name on these accounts is National Recovery Agency. I submitted a dispute notice to all XXXX XXXX XXXX XXXX consumer reporting agencies requesting they be investigated and if verified to send me all documentation provided to them on behalf of National Recovery Agency to verify the debt. I never received anything! I also called National Recovery Agency to request that they remove this information as I did not authorize them to submit any information to the consumer reporting agencies on my behalf nor did they provide me any notice of the debt prior to submitting it to the reporting agencies or afterwards. I spoke with a XXXX XXXX at National Recovery Agency who was very rude, said I was ignorant of the law and I should hire a lawyer because I come off as XXXX. He was so confident in his understanding that he did not hesitate to provide me his last name and the mailing address of his place of work so that I could send legal documents to him there. The address he provided was XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF FINANCIAL CORPORATION (OH)

My mortgage is served by Chemical bank and after filing for bankruptcy the have begun reporting that my payments were not made even though they have been. I believe they are doing this to prevent me from rebuilding my credit even though I have not missed a mortage payment ever. I feel this is unfair and believe something should be done to stop this for me and everyone else.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

My mother opened an account for me with a XXXX XXXX XXXX branch in XXXX in 1975. I found the XXXX XXXX after she died but I can not get any information on what happened to the funds in the account. It was @ {$4500.00}. XXXX XXXX was bought by BB & T. BB & T told me they do not have the account. I tried PA unclaimed property as well as FDIC.
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Back in XXXX, I notified Experian, XXXX and XXXX of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided XXXX and Experian with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX, XXXX and Experian have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. Experian, XXXX, and XXXX has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D
Consumer complaint received 2017-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

Their website does not include the loan interest rate and whether it is variable or fixed. Also, student loans should be required to show you the interest that is accruing each month, just like credit card company statements. When I inquired with the company they would n't tell me whether it was variable or fixed. This is a deceptive business practice designed to trick students and must be stopped.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

Credit reports show CHP XXXX as a XXXX XXXX. All of my debt before XXXX XXXX have been XXXX. Credit report should be reporting a CHP XXXX.
Consumer complaint received 2017-10-21
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. (IL)

Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX-XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc. (FL)

On XX/XX/XXXX, I opened a secured credit account with Self Credit builder, On XX/XX/XXXX I successfully paid off my debt of XXXX was asked if I wanted to collect my secured amount or move to the next level of a secured deposit of XXXX, I said yes and deposited another XXXX dollars. 
On XX/XX/XXXX a family emergency came up and I needed a rental car to get to New Jersey, so on XX/XX/XXXX I paid for and picked up my rental, For XXXX plus deposit which totaled out to XXXX XXXX maxed out my card. I kept the car longer than expected, on XX/XX/XXXX I returned the car but XXXX was closed, a family member was going to pay cash for the remainder of the balance when We returned the next day, Self had paid the remaining balance. 
Upon seeing it was paid my family member didn't feel required to pay it, I was shocked that self paid it because I knew My credit limit was only XXXX, I worked my way up to that amount because that was all I could offered and I could pay that amount down, I know I could not pay that amount, I never orally, written nor electronically asked or approved for self to go over our agreed secured amount of XXXX dollars and therefore should not have been paid. There were times that I tried to go over by a few dollars and the company refused, I never thought they would have paid such a large amount. 

I am working really hard to improve my credit and because of Self I have derogatory marks on my credit report and XXXX points were taken from me. I have tried to reach out to them about this and have it removed to no avail. XXXX XXXX has many reasons why I am not entitled to pay this, I agreed to a credit limit of XXXX and I have paid that, that is all I could afford and would not have exceeded that amount I want this account removed from my credit report and my points that were taken away because of false reporting of Self.
Consumer complaint received 2023-02-12
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 — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (GA)

I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues
Consumer complaint received 2017-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MI)

I am a member of PNC Bank and on XXXX XXXX, XXXX I noticed that there was a {$7.00} fee classified as a calculated service charge on XXXX/XXXX/XXXX. I called customer service and was surprised to find out that my account terms that I had opened XXXX/XXXX/XXXX had changed XXXX/XXXX/XXXX. The bank only notified me of the change by inserting the change on XXXX XXXX, XXXX online statement that I had overlooked. There was no notification that the terms that I had agreed to had changed by mail, branch, email, or phone. No separate notification or message through the online banking system. I feel that they should have tried more or sent out notifications or text message. I was charged the {$7.00} fee 4 separate times out of 6 months. The bank agreed to waive the fee twice. So I am out a total of {$14.00} plus the time to call them to straighten it out and file this complaint online.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NJ)

I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports : XXXX XXXX ( 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 2017-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

XXXX XXXX XXXX - borrower/client. 
Original loan secured and closed in XXXX XXXX. XXXX XXXX financial crisis hit and applied for a modification in XXXX time frame. Took XXXX years since the lender was XXXX XXXX XXXX XXXX XXXX XXXX They were enmeshed in the meltdown and their own bankruptcy. After XXXX years mortgage was sold to Nationstar - XXXX more months of paperwork modification was approved. They simply tacked on the interest accrual of the payments not paid for the previous XXXX years due to their DEMAND no mortgage payments to be made during their XXXX years of time needed to make a decision - repeatedly asking for the same paperwork over and over and then losing it. '' Nationstar adjusted the rate to XXXX XXXX from XXXX XXXX - on a XXXX XXXX. All that did was recast the balance and the payments remained the same as they ADDED over XXXX of principal. I made the payments faithfully regardless of the fact that was ridiculous. 

I have never been late. In this past year XXXX what I did not realize is they were negatively amortizing the 'new adjusted interest increase ' they hit me with XXXX no notification of this ) - in XXXX and have been compounding and adding to the loan principal balance. In XXXX years I have paid faithfully and have NEVER been able to reduce the principal loan balance - in fact, it is HIGHER than I started out with in XXXX. 

I am not late now, but, I applied for them to modify this loan to meet reasonable terms and to comprehend this never ending cycle. The proven value of this property is only XXXX XXXX with a recent appraisal done and market has declined further, yet, I have been faithful in payments. 

After supplying them all my information - good credit - and income that can fully sustain the mortgage - they declined the request for no reason and gave me no basis of this. 

The XXXX XXXX term was up in XXXX - and the adjustment for that XXXX should have gone DOWN - not up. I am and was simply asking for reality in continuing to make reasonable payments while I wait for the market to improve and recover the value - that is STILL not there. 

XXXX XXXX put this in place. Nationstar has serviced the loan now for many years. They have not complied with legal requirements to adjust and or to discuss and give opportunity to remedy the loan and terms. XXXX was a major XXXX XXXX in the market during the meltdown and filed bankruptcy, relieving themselves of any and all debt - that they placed on consumers. 

I would and request this to be investigated. My phone number is XXXX or XXXX. My email is XXXXXXXXXXXX thank you
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (MI)

XX/XX/XXXX I deposit XXXX. I was told the funds would be available the next day. I went the next day XXXX. And withdrawal the money. I noticed a few days later my account was in the negative, I called the asked why and they said the check hasn't cleared. I asked them why did I get the money and they said it just may take longer. Than on Tuesday XX/XX/XXXX I went to deposit a check and I found out my accounts was frozen. Said the check I deposited was fraud which I had no idea. But I never received notification, the gave me the money and my account doesn't show anything wrong. It even shows the running balance. If there was a problem the bank should have never given me the money. Please help me unlock so I can take care of my family. 

TCF CLASSIC SAVINGS {$0.00} XXXX Manage my account Enroll and view online documents Export Transactions Search Search Advanced Search Options Running Balance Pending You have no pending transactions. 
2020 Posted XX/XX/XXXX FORCE POST DEBIT MONTH MAINTENANCE Utilities/Gas/Electric - {$1.00} XX/XX/XXXX WITHDRAWAL Financial Services/ATM - {$4000.00} {$1.00} XX/XX/XXXX DEPOSIT Income {$4000.00} {$4000.00} XX/XX/XXXX WITHDRAWAL Financial Services/ATM - {$350.00} {$1.00} XX/XX/XXXX ACH CREDIT STATE OF ARIZONA Uncategorized Income {$350.00} {$350.00} XXXX
Consumer complaint received 2020-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX will not respond to my mail but somehow continues to verify 11 Collection accounts with Experian and XXXX. I have never received any letter directly to my address about this debt in which I would then have 30 days to dispute the debt directly with XXXX XXXX XXXX. I have disputed directly with them and Experian and XXXX. Experian and XXXX  continues to verify the debt but they wont even explain to me how or why it is verified. 

all collection information is listed below XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$290.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  {$780.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}, {$6100.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Opened a XXXX XXXX card from American Express, with a signup bonus of XXXX Membership Rewards points after spending {$5000.00} within the first 3 months of the account being opened. I opened this card on XXXX of XXXX, and met the spend requirement in XXXX. Since then, I have had to contact American Express multiple times about the points not being awarded to my account. In XXXX, I was told that the issue was under investigation, and that a decision would be made by 8 weeks. On XXXX XXXX, I once again contacted Amex to see if progress was made. I was told by the customer service representative that the case was closed in my favor, and that the points would be " soon ''. The cause of the this delay was apparently a " technical issue ''. For over 5 months I received no information about the existence, cause, or resolution of this issue and had to contact Amex multiple times to check my case 's progress. Finally, after contacting two representatives on Amex 's chat tool, I was told that I would need to wait another statement period for the points to be awarded. Amex has already taken responsibility for this " technical issue '' and has offered very little in amending the situation.