davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (KS)

XXXX XXXX, XXXX i set up my new debit card as far as activating and setting the pin. I set up and activated card successfully. Went to make purchase using credit it declined, used it through debit it declined. I called to set up a new pin hoping that would help, it did not. I called to speak with customer service numerous of times regarding card use and the issues regarding a pin purchase and credit purchase. They offered to reset my pin and sent me through an automated system to reset pin since they could not do it. Once transferred to automated system it was not responding to touch tones prompted. Spoke with several reps and a supervisor and they were no assistance just followed same steps as far rep but stating that the pin reset could only be done once every 24 hours. SO here I am stranded with a card with money but no use until tomorrow XXXX XXXX, XXXX after XXXX central time.
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On X/XX/17 or close to that date I applied for a co-branded credit card with Bank Of America and XXXX XXXX. I was denied, and the letter sent in the mail was not specific. It stated that I was denied maybe to a relationship I have with Bank of America. I have a HELOC loan that I have paid on through a bankruptcy ( my name may actually not be listed on the HELOC ) over 10 years ago, and I also have 2 credit cards acquired with Bank of America after the bankruptcy. The BK is well past the 10 year mark and I have excellent credit up in the XXXX range. The BK was related to my husbands business and we kept all of our personal debt including the HELOC loan which he actually used to pay his employees for several months during the financial problems. I felt compelled to repay this debt because it was associated with our home. I did not realize it would continue to cause issues after the 10 year mark. I am wondering what is the cause of my denial when I have excellent credit and have stayed current and continue to stay current our HELOC. This does not seem fair according the to the rules of fair credit reporting.
Consumer complaint received 2017-06-30
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. (GA)

Experian continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : DISMISSED Experian continues to list the dismissed bankruptcy on my credit file. Experian 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. <P/>However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. <P/>The law clearly states from, " date of adjudication '' or date of " order of relief ''. <P/>Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. <P/>Therefore, Experian has no right to maintain information which the government has deemed nonexistent. <P/>Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. <P/>This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2023-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

I Request my 3 credit reports, I saw I had an medical collection under First Federal Credit C ( Proper Name Does Not Show On Credit Report ) Charging Me The Amount of {$670.00} account XXXX as shown on report I request information about this account and never received it, I have dispute and requested proper validation and verifation of such account and that has been unsuccessful. 
I am formally asking for this item to be solved and removed from my 3 credit reports as stated by the fair credit act.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

Ally Finacial has incorrectly reported on my credit report that I have to repossessions on XX/XX/XXXX and XX/XX/XXXX they also recorded that my payments were made on time in full during these months.
Consumer complaint received 2017-08-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIGY USA CORP. (CA)

A lien from a company we do n't know anything about ( XXXX XXXX XXXX XXXX ) has been placed. 

***We have paid { everything }, the mortgage, credit cards, etc. 

You could see the attached file.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX XXXX my wife, then a XXXX, sustained a serious injury at work and underwent a XXXX procedure. Since that time she has had numerous surgeries and is still suffering today. She eventually exhausted all of her leave time and was taken off payroll. In XXXX XXXX I retired from my job as a XXXX to take care of her and our young son. Because of this drastic loss in income, we became late on our mortgage. I turned to Nationstar Mortgage for help to no avail. In XXXX XXXX I hired the XXXX XXXX XXXX to help us get a loan modification. XXXX XXXX was assigned to our case and our loan mod request was submitted to Nationstar on XXXX XXXX, XXXX. The review took several months and we were asked to submit many documents which we did in a timely manner. On XXXX XXXX, XXXX XXXX was told that the loan modification was denied due to negative NPV. On XXXX XXXX, XXXX XXXX responded to the decline with a formal appeal proving that we could qualify for a modification due to all of the inconsistencies and incorrect data in the decline letter from Nationstar. On XXXX XXXX, XXXX XXXX received a response to the appeal letter stating that a new modification review had been opened and asking for updated documents. These documents were sent in on XXXX XXXX, XXXX. XXXX called Nationstar on XXXX XXXX, XXXX for an update. She was told by XXXX that they had received the documents and to call back in a few days to see if the file went to underwriting. XXXX called back on XXXX XXXX, XXXX and spoke to XXXX. He told her that the file had been closed out because there was no change in circumstances. There was no mention in the letter that we needed to have a change in circumstances to be reviewed again. XXXX also said that the modification had been denied due to property value, not income. On XXXX XXXX, XXXX XXXX spoke with XXXX who told her that the modification was denied due to income. At this point we are very confused as to exactly why we were denied. This is very unfair and we are probably going to end up losing our house because of this. We feel very strongly that we are able to make our house payment if Nationstar would help us with the past due amounts. With my wife 's illness it would be a severe burden to have to move. We do not want to disrupt our son 's life by removing him from the home he has lived in his entire life.
Consumer complaint received 2023-08-10
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. (SC)

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.

has violated my rights. Or list of inquiries 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 2017-08-30
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. (CA)

XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXXletter for which they have approved to remove this delinquency, but experian is not removing and does not cooperate, the other two bureaus have already removed except experian. 
thank you for your understanding
Consumer complaint received 2020-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (MS)

For several months, I have been expecting to get my money back from Cashapp a Squareup company. I have messaged their support team NUMEROUS times for help. They are holding {$310.00} hostage in an account they closed stating we violated terms of service since we filed a chargeback for transactions that cashapp allowed unverified users to scam numerous members for thousands of dollars in order to aquire fees as income. We were punished with the loss of our account even after the charge backs were awarded in their favor due to the terms of service agreement that they DONT verify any member in accordance with the Patriot Act.
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (ID)

I have disputed NATION CREDIT SYSTEMS Collections MULTIPLE times. XXXX, XXXX, XXXX continues to report it even though the collection agency has provided NO proof of verification. The collection was removed in 2020 yet XXXX XXXX XXXX allowed it to be added back with no verification and without notifying me 30 days prior as required thus giving me no time to dispute. The collection agency provided no 30 day letter prior to attempting to adding it giving me no time to dispute. XXXX has drawn this out and it is affecting my credit substantially. The collection company continues to repeat the same information and provides NO proof. I keep attaching these conversations from email showing this and NOTHING is done In Fact, and truth, Bureaus violated my rights even more so in accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit bureaus state my account was properly investigation but how is that possible if when I contacted the Debt collector agency, they could not provide me with Privacy disclosure : their ability to retrieve my private information and how it was transferred from original creditor. No documentation including or showing interest charges, payments, credit fees associated with the acclaimed amount owed was provided by credit collection agency. No full account number was provided by the collection agency to and Credit Bureaus because that information is redacted if full privacy disclosure is BREACHED. ) This grounds for removal. They also violated the law because according to : 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692. ( c ) ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. I did not give anyone written instructions.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

I was contacted from a person saying he was from Ocwen Mortgage used their XXXX number, claims to be a manager from the modification dept. Promises a modification to whatever amount we could afford ( since we are behind on payments ), and lures is to send through money gram {$1000.00} with an hour to an attorney to start the process. His name is XXXX XXXX continues to call from the XXXX number that belongs to Ocwen and also his own personal number that he told me to call. Continues to request more money! He is harassing me and threatening to foreclose. No one from Ocwen knows who he is they have started an investigation but I 'm still behind on paymentsand after trusting this person saying he was from Ocwen I can not make the payment. I need Ocwen to assume responsibility for this and return the money this person took from me and execute an honest modification.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was rated by the XXXX in 2008 to be XXXX with service connected problems received from service in XXXX. I had to shut down my construction business of 35 years due to medical problems. Right about then the economy went bad. Wife and I lost all of our savings and almost out home. Had a mortgage with XXXX and it was sold to nationstar mortgage. We thought B of A was bad until trying to get a loan modification from nationstar! These people should be in prison- what XXXX We went through all the making homes affordable deal, and they set us up with XXXX XXXX Counseling Service. After submitting all the modification papers to XXXX they sent a letter to nationstar recommending a modification! They along with us sent all the papers to nationstar- which they lost after months of waiting. We sent more updated copies to Springboard and nationstar and after months of waiting they lost them again. We submitted more and more copies over the period of 2 years only to be asked to send more. These people are the most incompetent crooks I have ever dealt with. They kept giving us a new so called- " dedicated loan specialist '' every few months. You could leave messages to these jerks forever and never hear back. I was told 2 times by nationstar people that all papers were complete, and they would have a decision for us soon. Only to be asked for more papers again. My story with them could go on for hours, but must stop. We finally gave up, and filed a complaint with my local congressperson. It helped a bit, but then once again the request for the same submitted paperwork. We have completely given up all hope of dealing with them. They know I am XXXX, and that we are struggling. That 's why they will continue to torture you until they know you will give up. What is our once great XXXX coming to when a company like nationstar ( I refuse to capitalize their name ) can treat people like this, and get away with it. The very people you they make a living off of- so they can pay their greedy CEO millions of dollars a year in bonuses.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

On XXXX XXXX, 2014 we submitted all of our paperwork for a loan modification on our mortgage. We believed this to be the quickest and least costly solution to a foreclosure law suit that has drawn out for years. Our attorney prepared our documents and sent everything to our lender Nation Star in a timely manner. I was told by my attorney that it would take roughly 60 days for the banks to review the paperwork. It has since been 10 months since we submitted the documents and Nation Star has yet to confirm they have even received our packet. Our attorneys have sent several copies via certified mail with confirmation however our documents have yet to be reviewed. Because of the incompetence of Nation Star I have incurred thousands of extra dollars in attorney fees to continue this process. It was my understanding that a loan modification was the best way for both parties to come to an agreement on this drawn out case, however that has not been the case. I feel as though I have been taken advantage of because the banks have the money and power to continue dragging this out while my funds keep exhausting. My biggest fear is that Nation Star continues dragging this out and I will no longer have the ability to retain my attorney causing me to ultimately lose any chance I have to save my home. My case is now set for trial due to how many months the case has been stale with no progress.
Consumer complaint received 2023-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I moved from an area that XXXX XXXX. I physically took all the equipment ( modem, router, remotes, cable boxes, etc ) to a brick and mortar XXXX store in XXXX, NJ. I had everything in a plastic milk crate, was the XXXX or XXXX person on line when the store opened. Handed everything to the gentleman behind the counter and asked him to please close the account, he took everything out of the crate and said ok. I made sure there was no balance on the account before dropping everything off. After a couple months, I got an alert that there was a collection on my credit score. When I checked, I immediately called XXXX and told them this was a mistake and explained why. The woman on the phone said she would look into it. Shortly after I checked my credit report and the Collection was still there but with a lower balance. I called XXXX again and asked what was going on. The woman said it was lower because I returned the equipment so they gave me credit for that. I said, AGAIN, that the account was closed the day I returned the equipment. I told her this made no sense. Why would I return the hardware and not close the account. What good was the account to me if I had nothing to use to watch it with. She said there wasn't anything else she could do. I am so confident I am right, I can actually describe with the man was waring and what he looks like a year later! 
Thats when I opened up a dispute with : Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$380.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX THE RESULTS OF THAT WAS THIS : Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This item was deleted. 
******** So now after that collection company no longer is handling the case, they opened a new one under a different collection company : Report Number XXXX Date Generated XX/XX/XXXX ccount info Account name SUNRISE CREDIT SERVICES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$300.00} Highest balance - Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 
************** It has already been taken off my credit and now XXXX is trying to bully me into paying a bill that is NOT mine! The account was closed before the new billing cycle started.
Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

We purchased a new home from XXXX XXXX in XXXX of 2013. They have their own lender and we used XXXX XXXX Mortgage. They sold our loan to Nationstar Mortgage about 5 months later. Our closing documents show that a portion of our payment into escrow would go towards paying property taxes. 
We are currently trying to refinance our mortgage and we are unable to because we have been told that Nationstar has not been paying our property taxes to XXXX county. I have tried to find out what has been going on with Nationstar and I 'm getting the run around, being told that we are tax " exempt '' I have no idea where they could have gotten that information. Our original loan was sold and I feel there is a violation of RESPA within that transaction.