davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XX/XX/XXXX, I received a letter from my mortgage company, XXXX, that my loans will be transferred to Nationstar Mortgage ( My loans have been transferred twice since my refinance in about 2-3 years ) and that I need to send my XX/XX/XXXX payment directly to Nationstar. My monthly payment of my primary resident is {$1400.00} including principal and interest ( fixed at 3.5 % ). I sent a payment of {$3500.00} to Nationstar Mortgage, specifically indicating on a payment voucher that {$2000.00} should be applied to principal in addition to principal portion of {$1400.00}. 
Nationstar Mortgage assumed without looking at the payment voucher that {$3500.00} was a 2 months payment. They deducted 2 interest payments of {$680.00}. 
I called Nationstar on and spoke with XXXX. She could not answer what I was questioning. XXXX put me on hold for several minutes and came back on the line and told me that she spoke with her supervisor and supervisor advised her to tell me that it was an computer error and reassured me it will be corrected. I received a statement from Nationstar for XX/XX/XXXX payment. DOES NOT show any adjustments!! 
I called Nationstar again and spoke with XXXX. Again, XXXX could not give me an explanation. I demanded to speak with a supervisor. After being on hold for few minutes, a man named, XXXX, got on the phone who claimed he was a supervisor. When I inquired about the situation, XXXX said he already has been adjusted back on XX/XX/XXXX that he was looking right at it on his computer. Okay. I then asked him after looking at my XX/XX/XXXX statement, the difference in amount where XXXX claim it was adjusted. He could not answer me. I asked him to email my account history, which XXXX was looking at. He said he would. I sent via email and regular letter to Nationstar demanding that they send me a complete account history within 5 days. I HAVE NOT received it.
Consumer complaint received 2023-07-31
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. (LA)

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. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We have repeatedly ( XXXX and XXXX, 2023 ) on the phone been instructed by Bank of America employees to give them the secret numbers from the back of our debit/credit cards as ID, but they have consistently quoted card numbers to us which are not ours, and never have been. This makes it extremely hard to identify yourself and to believe that you are actually talking to a real representative of the bank. Or there might be fraud from within the bank. Over the last few weeks the bank has first blocked our checking account for no reason, and recently one of my credit cards without any intelligible explanation so far.

The details are provided in the attachments, i.e. two letters from the bank and our recent e-mail to the president of retail banking at Bank of America.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-09-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company (TX)

XX/XX/2021 I applied for refinance and it was approved and I was told the next 2 months do not pay. I signed papers over the Internet. The following month I was told that I had missed a payment and I need to do a modification and then I had to make 3 consecutive payments with out missing a month in between. After that they approved my refinance after that and I change to a 3.0 % but it does shows on my credit report as missing a payment. I have been trying to switch loan company.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I, XXXX XXXX XXXX XXXX, have been a victim of identity due to the Louisiana Global DMV DATA BREECH ; all of my information, such as my social, phone number, and date of birth, has been exposed, and more. As a result, I have been a victim of identity theft, and after reviewing my most recent credit report, there are two inquiries on my report that I have no knowledge of, nor do I have an account with these companies. These two inquiries I have listed below are a result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Iam part of equifax Credit breach and I hired XXXX XXXX XXXX to fix the problem of all my reports from that breach and now have more 36 soft pull on 2 hard pulls that not mine and I've sent this to the XXXX XXXX department form the breach in the past and we here again
Consumer complaint received 2021-07-26
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: Bread Financial Holdings, Inc. (FL)

I first began disputing the item in XX/XX/2021, nothing was done. 

On XX/XX/XXXX I submitted a dispute to XXXX  to have the account updated or negative status removed off my credit report. 

I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX, I purchased a " package '' from XXXX, meal service delivery company, 60 days of meals ( 3 meals/2 snacks/day ) to be ordered at my convenience. A charge of {$1500.00} was made to my Amex card, I never ordered and did not receive any meals. In XXXX of XXXX, 21 unauthorized {$1500.00} charges totaling {$31000.00}. 00 were fraudulently charged to my account. 
XXXXXXXX XXXX owner, XXXX XXXX, through phone calls/text messages/emails, assured me full refund. However, he lied about refunding the money, stating he was sending certified check, a driver delivering check, XXXX refunding and more. Delaying, blatantly lying and scamming. 
I contacted AmEx. AmEx mismanaged claim, no resolution over a year ( total of {$6700.00} interest has accrued to date ). 
XXXX has history of engaging in similar fraudulent activities with others, including patients. 

I implored the XXXX XXXX XXXX to both demand American Express conduct a thorough investigation and facilitate a prompt resolution of my claims. Attachments : transaction receipts, communication records with XXXX XXXX 1. that these charges were unauthorized 2. that I did not use this service, and 3XXXX his admittance that the money should be refunded. 
4. Detailed communication with Amex substantiating that XXXX was a bad actor, committing fraud and they did not act in a timely manner. 
I am making a claim both against XXXX XXXX XXXX, owner of XXXX and American Express for the mismanagement, not abiding by the contract to cover fraudulent payments and not removing charges and interest promptly. 
While I have a platinum card and a longstanding Amex cardholder, who pays in full monthly for over 20 plus years. Amex has not been helpful, and, in fact, I believe they have been negligent allowing so much time that the company folded in spite of the numerous efforts and documentation we provided them and despite the fact that there are several other substantial claims against this company and owner.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I was informed under the MIDS program in XXXX, VA, that the mortgage loan granted by Navy Federal Credit Union was invalid due to the restrictions on my deed. XXXX took the loan off the books and did not notify me of this action. In trying to do a modification on my XXXX note, it was discovered that the lien was not removed. I made a request that because of XXXX illnesses it would be extremely helpful if they would release the lien. Especially since it was invalid. I got no response so I submitted a QWR request. Again no response, so I wrote a letter to the head of mortgage loans, a XXXX XXXX. After two weeks I submitted a second letter and still no response. Since this time, one of the owners health has turned grave and it is of the most importance that we settle this as soon as possible.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX  the amount {$1200.00}. 15 u.s Code 1681c-2 a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later then 4 business days after the date of receipt.

Under 15 U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S Code 1681. These accounts has violated my rights.

Pursuant to 15 U.S Code 1681 section 602 states I have the right to privacy.

Pursuant to 15 U.S code 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. 


I am requesting the original copy of the agreement and terms a condition. Failure to comply will forfeit your claims and require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this receipt of notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2023-07-15
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: NAVY FEDERAL CREDIT UNION (IL)

On XX/XX/, 2023 my Navy Federal credit card Flagship Rewards ending in XXXX could not be used for a small purchase of XXXX dollars. I received a telephone call from Navy Federal stating that I am no longer able to use or charge anything on my card ending in XXXX due to an old charge off auto loan from 2 years ago- loan number XXXX. I have been with this Credit Union for over ten years and have paid off several credit cards and loans in full. It's not that I do not have any available credit on my credit card I could totally understand. But to tell me that I can not use my credit card due to another loan that went bad 2 years ago this is XXXX I AM A XXXX MANT THAT OWNS A HOME PAYS MY BILLS AND FEEL THAT IA M BEING PUNISHED FOR ONE ACCOUNT THAT WAS CHARGED OFF TWO YEARS AO BUT I HAVE THREE OTHER ACCOUNTS WITH THIS CREDIT UNION THIS IS XXXX  AND AI WANT SOMETHING DONE++ ABOUT THIS, PLESE HELP. IF I NEVER BEEN LATE WITH ACCOUNT OR ANY OTHER ONE WHY AM I AM BEING PENALIZE FOR ANOTHER, PLEASE HELP SO THIS WILL NOT BE DONE TO ANY OTHER XXXX AMERICAN
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead one thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to three different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus Experian XXXX XXXX and XXXX or validating debts that they do no investigation on this is a violation of the fair credit
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data. XXXX OF XXXX XXXX Balance Owed : {$22000.00} XXXX OF XXXX XXXX Balance Owed : {$3600.00} XXXX CARD XXXX Balance Owed : {$6000.00} XXXX CARD XXXX Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Between XX/XX/22 and now, Bank of America has unlawfully opened 3 checking accounts using my information. They have since closed them, but that was only after multiple phone calls and my credit being checked. When I called, I was transferred multiple times and had to talk to 5-7 people to get the accounts closed.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

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 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

my mortgage was sold from XXXX XXXX to nationstar as of XXXX/XXXX/16. I was also informed by XXXX XXXX that I would receive a letter from nationstar by XXXX/XXXX/16. up until XXXX/XXXX/16, nationstar would call my cell phone and place of employment constantly and hang up. My co workers were obviously getting annoyed with these calls and called the number back to tell them to stop the calls. the recording said they were a debt collector and all information would be used to collect debt. they were then prompted to enter last XXXX of a ss # which of course they did not do. there was no way to get through to a live person. I tried calling number back on several occasions and followed the prompts and when I tried to get to a representative I was immediately disconnected. finally, on XXXX/XXXX/16 I got to an agent. I asked them to stop calling and hanging up on my cell phone and at my place of employment. I also informed them that I had not yet received a letter from them or any contact from anyone. she said the letter was mailed on XXXX/XXXX/16. I told them I should have received it already. the calls did not stop. we received more at my work and on cell phone. when I did not receive anything by XXXX I called them again. it once again took a few times to get someone on phone. I talked to XXXX and she told me a letter went out on XXXX/XXXX/16. I told her when i called on XXXX/XXXX/16 i was told it was mailed on XXXX/XXXX/16 I told her I do not have it yet. it should have been here by now. I do n't have a statement for XXXX/XXXX/16 payment and it is due tomorrow. I still have not received a loan number so my XXXX payment has not been made yet. I asked her to speak to her supervisor since it seems they do n't want me to be able to make payments. I worked too hard to buy this house and I will not allow you to XXXX it up for me. she put me on hold and came back a few minutes later and said her supervisor was on another call but I should n't worry about XXXX payment since they cant charge fees or report late payments for 60 days. I informed her that is not the point. you should have given me written notice of my new loan number and where to send payments, also, I should have a statement for XXXX by now. you have done none of the things you are required to do! I asked her for her supervisors name. she gave me a name of XXXX. she said she would request a letter be sent out. I once again told her I should have had that on XXXX/XXXX/16.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (AZ)

During XXXX/XX/XX/2019 I was inquiring with various banks on refinancing terms for my primary home. In the discussion with Citibank the representative on the phone pulled my credit. I was so surprised as I never gave her authorization to do so. I told her I needed the inquiry removed from my credit reports. She indicated she needed to work with her supervisor. Several weeks later she called and indicated the inquiry would be removed. several weeks later the inquiry was not removed. I have called Citibank several times to inform them of this problem. I have been re-assured several times it would be removed. I have a voice mail from them telling me the inquiry would be removed. However, the inquiry has not removed. I want this removed and they have not responded with a positive result.
Consumer complaint received 2023-07-15
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. (IL)

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.

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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : Account Number : XXXX XXXX XXXX Date of Charge Off : XX/XX/2023 Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2016-11-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (TX)

Sent a letter to verify debt to Financial Control Services for XXXX. They sent a letter with only XXXX lines as a verification. The letter is not its.used but just shows the total THEY say I owe. The letter says they consider it accurate. I believe this does not meet the requirement and need assistance.