davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

I deposited a checked on Saturday XX/XX/year> in the amount of {$14000.00} to my checking account XXXX is my account number. I called the law firm that issued the check and they gave me numbers to give my bank but they refused to help me. Im at the branch presently and I was originally told one thing but another was done. I provided information to them but they didnt accept it.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Contacting Transunion to put a credit freeze on my account is a nightmare. I have tried to place a freeze both online and by calling them, without any success for something that is very important. Online attempts have failed and Transunion asks that I call them. I call them and am constantly disconnected. It is appalling that Transunion has such poor systems in place when they hold very important information.
Consumer complaint received 2024-08-20
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: Nelnet, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NY)

I received an email from Venmo stating my account had been suspended for suspicious activity and that my account would be suspended until they hear back from me. They requested my photo ID. I sent it. They also requested a password reset, I did it. They still have yet to unfreeze my account. This account has XXXX $ in it including mine and my kids accounts. I tried to call the company and they said there is nothing they can do, that I have done nothing wrong, it just happened. When I asked to speak to someone, they said there is no one in this department reachable any other way than email, and they dont respond to emails.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SD)

In May I got an XXXX XXXX credit card due to traveling. I was supposed to get my suitcases free but there was an issue and I ended up getting charged for them. At the time I did not realize I was charged for them and contacted XXXX  who refunded me. But during that time I was charged a late fee. I called Citi cards around XX/XX/XXXX to discuss this case and they said they would waive the late fee and I gave my checking account number if there were any other issues while I waited for the refund. The agent took my checking account number and said payment went through. About a week after this call I started getting calls with voicemails and emails everyday. So I called back and they reported that they added another late charge because the checking account number was not right. I reported that I gave the number twice to the agent and he said " payment went through. '' After spending about an hour on the phone with them they waived the late fee again and I gave my checking account number 3 times and the agent said okay " payment went through. '' At that time I also closed my account. A week later again I started getting phone calls with voicemails every day and emails. I called back around XX/XX/XXXX to discuss my case again. After an hour on the phone it was a similar outcome with them saying everything is okay and I paid. A week later I started getting phone calls with voicemails every day and emails. At that time I called back to discuss that I was sending a check in. They informed me that they added a late fee again. I discussed that I had been trying to resolve this several times. After almost 1.5 hours on the phone I told them that I would be sending a check into them because they are having issues with something. The agent said okay and I said put a note in my file that a check is being sent XX/XX/XXXX. About 4 days later I started getting calls every day with voicemails and emails about late payments. I call back and they added another late fee. I discussed that the check is in the mail and the agent said they would give it 7-10 days to get there. The agent said they added another late fee. I said the check is in the mail so I should not be getting a late fee. On XXXX I got an email saying confirmation of payment. Then on XX/XX/XXXX I get an email that I haven't paid. I do not know what to do. I feel like I have taken the appropriate steps and I have paid but I literally feel like I am getting harassed.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I HAVE BEEN ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE FROM MY SERVICER, NATIONSTAR. I SUBMITTED A PACKAGE TO NATIONSTAR WITH ALL DOCUMENTS REQUESTED. ABOUT ONE MONTH AGO I CALLED FOR STATUS ON THE PACKAGE AND WAS TOLD THAT THE FILE WAS IN REVIEW AND NO ADDITIONAL DOCUMENTS WERE NEEDED. SHORTLY AFTER I CALLED, I RECEIVED A DECLINE LETTER FOR MISSING DOCUMENTS. I BELIEVED THAT THIS MIGHT HAVE BEEN AN ISOLATED ERROR AND CALLED TO REQUEST ANOTHER MORTGAGE ASSISTANCE PACKAGE. I WAS TOLD SEVERAL TIMES THAT A PACKAGE HAD BEEN MAILED TO ME. IT WAS NEVER MAILED NOR RECEIVED. NATIONSTAR 'S ACTION APPEAR TO BE DELIBERATELY DEVIOUS. THE ONE THING THAT NATIONSTAR IS SUCCESSFUL AT ACCOMPLISHING IS SCHEDULING A FORECLOSURE SALE. THEY HAVE SCHEDULED MY PROPERTY FOR SALE ON XXXX/XXXX/2015.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Personal information leaked in data breaches and used to apply for credit, auto loans and bank accounts. Fraud alerts were placed and I attempted to freeze my credit reports with each credit bureau. Multiple attempts to access free credit report have been unsuccessful despite creating various accounts to log in to different portions of the websites. Attempts to access my reports on the free credit report website have also been repeated attempts to access reports have been unsuccessful. Since I am unable to login or monitor my reports, I can not dispute the incorrect information and thus my credit reports remain woefully inaccurate. It should not be this difficult to protect vital personal and financial records. 
This is particularly alarming as a victim of identity theft with active fraud alerts in place. Repeated attempts have been made by unauthorized persons to apply for credit, loans, work authorization and unemployment assistance using my personal information. I assume this will continue forever because thats where we are as a society so for the love of XXXX LET ME ACCESS MY INFORMATION AS PROMISED.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is reporting 3 inaccurate late payments to consumer reporting agencies- TransUnion, XXXX XXXX XXXX. In good faith I am writing to challenge the validity of all three alleged late payments from the months of XXXX, XXXX, & XXXX of XXXX. I never received my periodic statement from the months of XXXX, XXXX & XXXX XXXX days before the billing due date invoking a billing error- 15 U.S. Code 1666b ( a ). I am requesting XXXX XXXX XXXX to provide the certified tracking number used to mail all three periodic statements to the address on file. If XXXX XXXX XXXX can not supply the tracking number I am requesting in good faith that XXXX XXXX XXXX notify all three consumer reporting agencies- ( TransUnion, XXXX XXXX XXXX ) to update all three alleged late payments to current.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have been trying to getting a modification with my lender ( Nation Star ) and all attempts has been unsuccessful. Recently, my house was listed for sale on XXXX/XXXX/15 and the judge postpone the sale and currently there is another sale date scheduled for XXXX/XXXX/15 and all documentations has been submitted to show verifications of an affordable mortgage. Currently, my husband has obtained a permanent position with his employer and this even makes affordability much better for the long term since it was due to husband being per diem with his current job. On a daily basis, there are constantly people who visit my property in the day while my XXXX children are home taking pictures, surveying the property, this is very terrifying when my daughter is constantly calling me sayings things like " Mom, they are looking around the house again or saying " Mom, someone is in the driveway again ''. I have to constantly reassure here not to worry herself. I have XXXX school aged children and I am pleading with you to help me save my home as Nation Star keeps denying my request.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2023 I applied for a credit card Apple Card is a credit card created by Apple IncXXXX and issued by Goldman SachsApple. My application was denied because Goldman Sachs Apple informs me in the application decision that my XXXX XXXX credit bureau reports to them that I have a recently closed CHECKING/SAVINGS ACCOUNT. 

I contacted the XXXX XXXX XXXX and a manager informs me that my credit record does not show that I recently had a RECENTLY CLOSED SAVINGS OR CHECKING BANK ACCOUNT, therefore there is incorrect information in the credit application decision. 
I contacted the credit bank Apple Card is a credit card created by Apple Inc. and issued by Goldman Sachs Apple and a manager responded to me informing me that the only way they can reconsider my application is for XXXX XXXX to confirm to them that there is incorrect information in the decision and therefore does not exist in the credit record that there is a recently closed checking or savings account. 

I contacted XXXX XXXX again and they do not have a letter format to send to Goldman Sachs Apple bank the rectification that there is incorrect information in the decision of my application for the Apple credit card. Only they can give me a copy of my credit record, which I should send to Goldman Sachs Apple so they can see that in my record I don't have a recently closed CHECK OR SAVINGS ACCOUNT. 

I as a client, I am being a victim of this injustice and the lack of communication between these 2 companies. I am making this complaint so that they please agree and comply with the fair credit law. 
I ask that XXXX XXXX please inform Goldman Sachs Apple that I have not recently had any CHECKING OR SAVINGS CLOSED accounts and that this is not shown by my credit report, on which they are reliing to deny me the credit card. 
I also request that Goldman Sachs Apple reconsider my application based on the response to be provided by XXXX XXXX, which shall report that the information in the negative credit card response provided to me by Goldman Sachs Apple is incorrect.

Attached the Goldman Sachs Apple credit card refusal response, where it shows that they are based on information obtained from the company XXXX XXXX.
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (IL)

XXXX XXXX XXXX are claiming i owe {$210.00} to a gym ( XXXX XXXX ) when i have never used the gym except for one time and i cancelled it after that. i never wrote any contract with them i never gave them my information. I cancelled my membership months ago and never they are being incooperative ( both the gym and debt collection firm ) and are not willing to provide me proof of the contract i allegedly signed. They tell me i need to write a written request which I believe is just something to get me to quickly pay the debt instead of wasting my time writing letters. I know for a fact they have no proof of me signing any contract because i never did. I think law enforcement needs to take action against this law firm and/or gym because they are illegally trying to collect money and threatening to forward it to my credit if not paid.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. XXXX XXXX is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (IL)

Aldous & Associates are claiming i owe {$210.00} to a gym ( XXXX XXXX XXXX  when i have never used the gym except for one time and i cancelled it after that. i never wrote any contract with them i never gave them my information. I cancelled my membership months ago and never they are being incooperative ( both the gym and debt collection firm ) and are not willing to provide me proof of the contract i allegedly signed. They tell me i need to write a written request which I believe is just something to get me to quickly pay the debt instead of wasting my time writing letters. I know for a fact they have no proof of me signing any contract because i never did. I think law enforcement needs to take action against this law firm and/or gym because they are illegally trying to collect money and threatening to forward it to my credit if not paid.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from the an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ), I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( c )
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX dept bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX  XXXX {$6100.00}. XXXX  XXXX XXXX XXXX {$1100.00}. XXXX XXXX - XXXX XXXX.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to Human Trafficking dept bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX {$6100.00}. XXXX  XXXX XXXX XXXX {$1100.00}. XXXX XXXX - XXXX XXXX.
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

New Rez Mortgage Co. 
Flood insurance required. 
For years, we have obtained private flood insurance, ( XXXX ). Last XXXX, New Rez placed lender obtained flood insurance on our property without telling us. XXXX sent documentation to New Rez showing we have private flood insurance and there has been NO lapse in coverage, no claims. New Rez has ignored all documentation and raised our mortgage payment because of their forced flood insurance. Both policies are for the required maximum, {$250000.00}. 
New Rez does not return phone calls nor any attempts to contact them. 
I want them to cancel their lender placed flood insurance & return all payments charged by them. Again, there was never a lapse in coverage.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" I reviewed my consumer report and informed your agency on XXXX XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (TX)

I submitted the paperwork for PMI removal on XX/XX/year> and paid the XXXX fee on XX/XX/year>. 

I called each week to follow up with the process & was told an appraiser would reach out to schedule an appraisal. It was XXXX and no one had reached out, so I filed a complaint with the XXXX. Miraculously, a few days later an appraiser scheduled an appraisal for XXXX 

On XX/XX/year> I received a refund check for the XXXX ( {$150.00} ). 

On XX/XX/year> I called NewRez the mortgaging servicer to clarify I had the appraisal set for XX/XX/year>. The customer service agent advised I cash the check & pay the {$150.00} over the phone which I did. 

On XX/XX/year> I called the appraiser to confirm the appraisal was as happening tomorrow on XX/XX/year> and he told me my loan servicer ( NewRez ) cancelled the appraisal.

I called NewRez today XX/XX/year> and was told Id need to wait again for a new XXXX to be approved even though they have my money and completed paperwork. There was no rhyme or reason to refund and cancel the appraisal when it was setup for XX/XX/year>. On top of that, no one cared to inform me it was getting cancelled. 

NewRez has taken my money twice now without rendering the appraisal that Ive paid for.