davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I placed a dispute with this company several times regarding the same issue first being XX/XX/XXXX and again recently XX/XX/XXXX ( see included attachment for proof of dates ), I informed Equifax of my FTC report filed both on my own as well as through the CFPB. I also verbal and physically have written disputes about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.S. Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written disputes to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because its been over a year ago and I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or seek other means of mitigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (TX)

After repeated requests, Nationstar Mortgage keeps sending me the refinancing offers all the time! The kicker : Nationstar services my mortgage already and I am perfectly fine with the conditions of my mortgage. 

I have repeatedly contacted Nationstar to refrain from sending me refinancing offers and they have not listened to me. I get the impression that Nationstar either wants to make money in refinancing again and again or they want me to be in their debt continuously. Get me into another XXXX year mortgage and the clocks starts all over again. 

Please do something about this.
Consumer complaint received 2022-05-24
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. (AL)

The Credit Bureau stated my account was properly investigated but how is that possible if the date opens inaccurate, the date last active is inaccurate, account type inaccurate, payment status inaccurate, and date last reported inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 a. States i have the rights to privacy 15 U.S.C 1681 Section 604 a Section 2. States a consumer report can not furnish a account without my written instructions
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (PA)

Credit bureaus still report an old account that the first negative markings are far older than 7 years. Per the fair credit reporting act the account, XXXX and all negative reports associated with the XXXX  were to be removed by the 7 year mark from the date first reported for the negative remark. Rather than removing the XXXX  as required by law, the bureaus just update remarks on the report.
Consumer complaint received 2015-03-31
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONS LENDING CORPORATION (MD)

I applied to refinance my home in GA with XXXX mortgage loans. I was sent a good faith estimate from XXXX XXXX and other documents for the refinance and told that our closing costs would only be {$1000.00} due to a credit they were giving us. I actually re-affirmed this with the loan officer via email and he confirmed we 'd only have to pay {$1000.00} out of pocket. Our documents were submitted for underwriting and we were told everything went through fine by the loan processor XXXX XXXX. Then all of a sudden some other person named XXXX XXXX started contacting us from their retention department. They said we could no longer receive the credit and would need to have a total of {$2800.00} in closing cost. All of this was done over the phone. No reason was given for this increase. He said our loan officer made mistakes. He could not tell me what the mistakes were. I asked to speak to his supervisor and received a call from a XXXX XXXX ( sp? ). He could not tell me what mistakes were made either just that the closing cost were now {$2800.00} and they could not give us the promised credit. I feel this was a switch and bait tactic used to try and scam us out of {$2800.00} by presenting this information at closing time. I have emails of all conversations with the original loan officer clearly stating we would be given a credit for closing costs.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2015-07-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

HI, I had my mortgage with XXXX XXXX XXXX, it was sold to Nation Star.. 
in the past with XXXX XXXX XXXX website i had a lot of options, and information about my mortgage for example i was able to make extra payments and see in real time the Amortization calculator of my loan, as well when my Home Owners Insurance and Taxes were paid. 
Nation Star has a very poor Website, and a very poor customer service they are only available from XXXX to XXXX ET. 
I understand there is laws that allows mortgage companies to sell the mortgages, but the other mortgages institutions should offer AT Least the same tools and options to manage our most important asset which is our home. 

When i called customer service they told me that at the moment they do n't have that option in their website ... .. its 2015 Nation Star please hire some to build a decent website to server your customers.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The below inquiries appeared on my credit report but I did not authorize them to happen. I reached out to the police and they advised they no longer handle these issues and to contact the agencies. 

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 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 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The company never responded in the matter of CFPB XXXX and CFPB XXXX. Neither the creditor or the company reached out to resolve my complaint. According to the Fair Credit Reporting Act, I must receive some type of dispute resolution and I have yet to receive anything and it has been months. The bureaus have asked for additional time and that time has come and gone. My initial dispute was in XX/XX/2022 and its not XXXX XX/XX/2022. I am demining that these items be removed from my credit due to the amount of time that has passed and no results have been provided. I will once again attach the original documents. A wet signature or any other documents used to furnish these items on my credit file have yet to be produced to me. Until further review of theses accounts they need to be removed.
Consumer complaint received 2016-08-10
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

RE XXXX I am not able to log into my complaint.I would like to provide you with an update.The evidence hearing in XXXX XXXX XXXX, Fl is set for XXXX XXXX issue also is when Ocwen sends mail via XXXX the tracking numbers are not tracable.The dispute now is over when the actual foreclosure proceedings were started vs when I received the final HAMP Mod papers to the local address while I was on contract in XXXX.I have the envelope and the return, drop off package receipt both have nontracable XXXX tracking numbers on it.I believe this is done on purpose.I have contacted the Attorney General of Fl.That office also has requested a response from Ocwen.Originally I was approved for a Hamp Mod but it was revoked by Ocwen with the explaination that the paperwork was not returned on time.I dropped it off on XXXX XXXX in XXXX, Nevada.XXXX number XXXX.Tracking number XXXX.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I sent {$80.00} to a friend and when I checked my account the next day, the transaction had occurred twice. When I attempted to cancel the pending transaction, I was told I would receive no refund and the money now simply belonged to the person it had been sent to. I did not authorize this transfer. Cash App does not provide any sort of confirmation of transfer prior to transfer, rather, it is simply a single send link that completes the transaction.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (GA)

Stay away from PNC Bank! They will freeze your accounts in the name of " investigating '' and never provide you a reason in writing or on the phone. After keeping my accounts frozen for about 40 days and not providing me any reason as to why they took this step I had to threaten that I was going to take my case to GA Attorney General and Federal Reserve Board. On the XXXX or XXXX day the local branch quietly called and advised me that they had decided to close all my accounts and remit my funds via cashier 's check. No reason was given for the harassment and mental anguish that was caused due to this unreasonable act - every time I called or visited the branch I was told that a letter was being sent to me explaining why this action is being taken but to date, there is no letter from the bank or proof of any wrongdoing on my part. I can not describe the economic challenges I had to face with my accounts frozen- had to live off family members and borrow money - no regrets or no explanation from the bank to date. 

Please stay away from this bank and save yourself a bunch of trouble - their customer service is also non-existent- they do not return calls.
Consumer complaint received 2016-02-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (TX)

From 2012 to the present, Regional Acceptance Corporation charged unnecessary charges for a 4 year loan. Customer paid {$17000.00} on a {$21000.00} note and the company has alleged due to late payments that we now owe {$19000.00}. Our records indicate a balance of {$3000.00}. We believe the company has overcharged and is abusing the rates of late fees and daily interest compounded. We owe around {$3000.00} on the vehicle and want to pay it off.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Transunion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX
Consumer complaint received 2023-04-14
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. (NC)

In accordance with the Fair Credit reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX Capital XXXX Acct # XXXX The Bank Of XXXX XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX North Carolina Bankruptcy Report 15.U.S.C. 1681 Section 602 A. States I have a right to privacy. 15.U.S.C. 1681 Section 604 A Section:2 It also states a consumer reporting agency can not furnish an 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 other than records of convictions of crimes which antedates the report by more then seven years. 15.U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat
e.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

Hello, My name is XXXX XXXX XXXXMy problem has been going on for sometime. XX/XX/XXXX to be exact my orginal loan was with XXXX, then XXXX XXXX XXXX, and it is presently with HBC and is being serviced by Select Portfolio Servicing Inc, at XXXXXXXXXXXX XXXX XXXX XXXX, the person I am talking with has changed from a man to a woman named XXXX who is the new : XXXXXXXXXXXX My loan number is : XXXX. My address is XXXX XXXX XXXX XXXX, XXXX Or. XXXX, my phone is # is XXXX XXXX XXXX, my email is XXXXXXXXXXXX I have sumbitted the requested documents over and over again for home retention modification. I have participated in foreclosure mediation a year ago. The process was a sham. I have a XXXX in XXXX and XXXX in XXXX XXXX. I took the training for XXXX and observed the process of creating XXXX program and was not allowed in but a student of mine was. I knew that would happen, based on the nature of the mediation system lacking in cultural diversity. It is to much to go into here but to sum it up, banks rule the process and everyone has dance to the tune the Banks play. I found that this new CFPB is the final remaining thing I can do to try and save my home. My interest rate has been 8.99 % since XX/XX/XXXX and even though I have requested relief over the years from this inflated interest rate nothing has been done to provide a fair interest rate at a time when interest rates are a historic low. I lost a lot during the economic downturn, my ex wife died, I became a single parent. I had a XXXX XX/XX/XXXX. I got a on call job at XXXX as XXXX. I am trying to keep my XXXX going which I have had for 15 years. I have worked throughout the world XXXX in the field of XXXX. I am requesting assistance in remaining in my home. I am a XXXX year old XXXX man and it was difficult getting to this point. But here I am with a XXXX year old daughter and dog, and we are able to make it in XXXX after 25 years here I have support system. If I can get a fair loan modification with a fixed Interest rate I should be able to avoid foreclosure. I have tried to submit requested documentation via XXXX as told to and I keep getting the same documentation over and over requesting something I had submitted before. I think it is not a good process how they can just deceptively correpond and drag out my time before foreclosure sale date. I am requesting assistance from the CFPB. They are requesting what a tax request form, a social security award letter my taxes all have been sent in addition to the application for HAMPP modification with all supporting documentation regarding paystubs, bank statements, hardship letter, rental agreements. I am at the end of the line here. I am happy I found this new office of CFPB.
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (TX)

I had a previous auto loan contract for a defective Certified Pre Owned car that was in an undisclosed vehicle accident prior to be listed for sale and falsely certified as a Certified Pre-Owned car. I also had contract void issues due to the contract not being fully signed. Selling auto dealership refused to buy back the vehicle at time of original sale ( which was purchased out of state and online in XXXX while I resided in XXXX ). I had contacted financial provider, who refused to initiate a vehicle contract void, and used predatory practices to threaten me with damage to my credit if I did not continue to send in monthly payments. I did make all payments to the financial auto loan servicer to protect my credit, and kept contacting dealership, manufacturer and financial loan provider to return car and refund money. I filed with the XXXX, XXXX Attorney General, XXXX Attorney General and used the dealerships own biased arbitration clause to exhaust all possible remedies to no avail. At the time of warranty being close to expiration and with over XXXX different warranty repair history and car still not free of defects, arrangements and notice was given to financial provider that car was going to be returned to the local authorized brand dealership due to car still having leaks, mechanical failures, engine issues that were not repairable. Instead, financial loan provider is reporting a false charge off to my credit reporting bureaus and had refused to refund my {$24000.00} plus {$8000.00} attorney fees. It is falsely reporting a negative account charge off and this is predatory and a violation of the Fair Credit Act. My credit needs to be in compliance with the Fair Credit Act, the loan provider is prohibited from using predatory and exploitation in credit reporting and retaining funds and demanding payments and refusing to void contract from the beginning. All payments were sent on time to protect my credit and I was told that the car was mine, and I was responsible even though it was not a Certified Pre Owned car, but was instead a previous collision vehicle that was falsely labeled as a CPO, when it had front end damage prior to sale, which the dealership concealed and sold the car anyway as a CPO, when it was not.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear Experian, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account in dispute : XXXX XXXX I have provided full payment to XXXX XXXX for the alleged debt. It had been paid as agreed and never late but its showing as closed and incorrect payment history. 

I have provided certified proof the alleged debt was paid attached Please provide me with ALL documents XXXX has as evidence to prove this alleged debt.