davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Complaint : Nationstar Loan Modification Application Process Loan Number : XXXX Ref : Response to my CFPB complaint # XXXX, Nationstar reply from XX/XX/2016, XXXX XXXX, Customer Relations Specialist, Nationstar Mortgage , LLC, XXXX, Texas In your reply from XX/XX/2016, you are stating : 1. Lack of Response What do I need to know? We looked into the concern you expressed and after an investigation, we are sharing with you what we found. 

Under 1. Lack of Response you replied : In your inquiry you stated you sent emails to the assigned Single Point of Contact ( SPOC ) XXXX XXXX but received no reply. You also stated you received phone calls but they did mention any subject, topic or other information. At this time we have reviewed the attached emails provided in your inquiry. Please understand that your SPOC are not able to communicate via email, as she is only allowed to communicate by phone or written correspondence. 

I am assuming that my confusion lays within this and the next paragraph from Nationstar 's letter/response. 
1. In my conversation with XXXX XXXX ( correct spelling is XXXX not XXXX is in Nationstar 's letter ) and follow up E-mail from XX/XX/2016 ( see attached ) XXXX did mention that I should contact her via E-mail, that communications via E-mail would speed up the application process. 
2. Also, I did follow up on XX/XX/XXXX, after my call, and sent XXXX an E-mail. 
3. XXXX XXXX replied to my E-mail and sent the forms for the loan modification application. 
4. Same for submitting the loan modification application and all documents on XX/XX/2016. 
5. Please see all E-mail communications sent from me to XXXX XXXX and XXXX XXXX 's replies attached. 

My confusion again is why you are stating that the SPOC, XXXX XXXX, is " only allowed to communicate by phone or written correspondence '' when she clearly is communicating with me via E-mail. 

As you are stating in your reply to my complaint submitted on XX/XX/XXXX, you were hoping that your reply will alleviate my concern. I guess my questions are that if you are hoping for that and you have investigated this, and your goal is to provide exceptional customer service, why do I still have questions about your reply? If the SPOC, XXXX XXXX is indeed not allowed to communicate via E-mail, why did I receive E-mails from her? 

Why are Nationstar 's tactics so deceptive and not clear? I have tried to communicate with Nationstar to the very best of my knowledge and in timely manners throughout this process. Nationstar has clearly and continuously not.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION (VA)

My complaint deals with a money services issue at Truist Bank. I have had a safety deposit box at their local branch for the last two years, previously I had a box at their predecessor, BB & T Bank. My annual charge for this box was {$75.00}. Last week I got a letter in the mail advising me that as of XXXX XXXX, my anniversary date, this box will now cost me {$120.00} per year. I went to the bank to complain about this large increase, but was told there was nothing they can do about it. According to them these new charges take effect in XXXX for all safety deposit box customers. I feel this increase is usury, an increase of 67 % which is unconscionable. I told the Truist people that they are in no way consumer friendly, and are just a money grubbing company that will take whatever money they can from their customers. Safety deposit boxes have little or no overhead associated with them, so why the vast increase in cost? What has changed? Nothing the bank will still provide the same service they always have and at no additional cost to them. I can understand an increase of {$5.00} or {$10.00}, but a {$50.00} increase is ridiculous. When you think of an organization as large as Truist and the hundreds or thousands of branches they have, with each branch likely having hundreds of safety deposit boxes, the money they will gain from say a {$50.00} increase to each box customer will most likely be a XXXX or several XXXX dollars. All they are doing is increasing their corporate profits by greatly and unfairly overcharging many of their customers. Truist should be investigated and told that they can not pass such a large increase on to their customers.
Consumer complaint received 2024-07-23
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: ALLY FINANCIAL INC. (TN)

I have auto loan hard inquiries by XXXX XXXX via dealer on XX/XX/year> and ALLY financial on XX/XX/year> while I was XXXX after a car crash the month before. Im asking for them to be removed because they are inaccurate and not mine.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (GA)

Reported companies are in possession of my stolen credit card ( social security ) in violation of 15 usc 1602 ; 15 usc 1692c, absent my knowledge and consent. I have identified the identity theft account and require cease and desist communication of my stolen information and block of identity theft accounts 15 usc 1681 c-2
Consumer complaint received 2024-06-20
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: Experian Information Solutions Inc. (DE)

XXXX XXXX related to today 's matter CFPB # XXXX We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today for the XXXX time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. That didn't not get fixed prior Investigation. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX XXXXXXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to today 's complaint .. You are required under the FCRA XXXX have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 5 ) ( A ) of the FCRA you are required to DELETE all information which can not be verified. You have not produced My written consent to furnish these Unverified inquiries. or that they are even mine Thank you. XXXX
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

On XX/XX/23 ask for a increase in credit and to have my secured account to regular account. When I opened account 5 years ago I was told after 1 year of good payments I could do this, but every XXXX they tell me the same, brhat I can not unsecure the card and will continue secured. This is frustrating as I have a great payment history and have prove myself as a great customer. 

Also they never increase my credit line. 

They always tell me I have no way to appeal ruling too
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-01-19
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. (NY)

XXXX Bank XXXX XXXX XXXX / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXX XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have violated my rights. 

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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX : Is showing open and late, this account is not open it has been paid in full closed. Also, this account shows late payments this account has never been late. 

XXXX XXXX : This is account does not belong to me. this account belongs to my brother with a similar name. I've asked for this account to be removed and or proof that this account belongs to me. 

XXXX XXXX XXXX XXXX This account does not belong to me and i have asked for this account to be removed. I also asked for proof of this account belong to me.
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

EQUIFAX IS REPROTING INACCURATE INFORMATION ON MY CREDIT FILE AND REFUSE TO REMOVE THE VIOLATION OF THIS MATTER AS IT HAS BEEN ADDRESSED ON SEVERAL OCCASSIONS, THE ACCOUNT XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) IS REFLECTING A OPEN BALANCE ACCOUNT STATUS AND THE ACCOUNT HAS LONG BEEN SETTLED AND PAID OFF THIS INFORMATION SHOULD NOT BE REFLECTIN ON MY CREDIT REPORT AS A DEROGORTORY ACCOUNT AS IT IS NOT AN OPEN ACCOUNT. ALL OTHER CREDIT BUREUS HAS UPDATED THIS INFORMATION BY REMOVING THIS ITEM FROM MY REPORT BUT EQUIFAX HAS REFUSED TO REMOVE AS I WILL NOT CONTACT AN ATTORNEY AFTER SEVERAL ATTEMPTS TO HAVE THIS ITEM REMOVED WITHOUT SATISFACTION. Also Equifax, and XXXX IS FALSLY REPORTING XXXX XXXX XXXX, FILE # XXXX, AS OPEN STAUTS ACCOUNTS WITH BALANCES. I HAVE NEVER AUTHORIZED XXXX XXXX TO UTILZE MY PERSONAL INFORMATION FOR DEBT COLLECTION NOR DID I GIVE THEM AUTHORIZTION TO USE MY INFORMATION FOR THIS HARRASSING PURPOSE AS THEY REFUSE TO RELEASE THE AUTHORIZATION GIVEN THEM PERMISSION TO HARRASS AND UTILIZE MY INFORMATION FOR DEBT COLLECTION PURPOSES. WHICH I BELIEVE IS THE CAUSE OF MAJOR IDENTITY THEFT BECAUSE NO ONE GAVE XXXX THE RIGHT TO SELL PERSONAL INFORATION TO DEBT COLLECTION AGENICIES. ALSO XXXX IS REPORTING POTENTIALLY NEGATIVE INFORMATION ON MY CREDIT REPORT AS ALL ACCOUNT XXXX, XXXX XXXX ACCOUNTS ARE ALL IN GOOD STANDING AND REPORTING POTENTIALL NEGATIVE INFORMATION ON MY CREDIT REPORT WHICH IS INACCURATE INFORMATION VIOLATING MY CONSUMER PROTECTION RIGHTS.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

These inquiries are unauthorized and I am a victim of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc (MS)

Harley Davidson Credit pulled my credit without having permissible purpose from myself on XX/XX/year>. ( XXXX5 usc 1681b ) Therefore this is considered aggravated identity theft. ( 18 usc 1028a )
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (MN)

I have a credit card with first digital. I made a payment on XX/XX/XXXX. It cleared my bank on the XXXX. I have sent 5 documentations verifying that the payment posted. I have gotten different answers regarding why I cant get my funds -yesterday I was told they were being released- they werent. Today I was told there is a hold. I paid it with a check but once I prove that the payment went through I should receive my funds
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX. This account is not accurate. Please delete it. 
XXXXXXXX XXXX XXXX XXXXXXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX. This account is inaccurate, please delete this information. 
XXXX XXXX XXXXXXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX XXXX XXXX a charge was made by a merchant in the amount of {$730.00} by using deceit and misrepresentation. The merchant promised to deliver a pair of sunglasses that were brand new from the store and failed to fulfill the promise by contacting me the following day stating they had a brand new pair in their store. As per conversation with the saleswoman they are to mail me a new pair direct from the manufacturer. After contacting chase credit card and disputing the charge, the merchant misinformed Chase stating I walked away with a new pair of sunglasses therefore denying my dispute. This is false because I never received the product nor did I walk away with the merchandise. Chase did nothing to help to protect me as their customer and stated there is nothing they can do.
Consumer complaint received 2023-11-25
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: LoanCare, LLC (NC)

Have been working on this issue since XXXX 2021. Could not close on my condo and sell it because of this lien. Loancare would not work on this issue with XXXX XXXX Lost 2 sales
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (AL)

I contacted Equifax Credit Bureau and let them know I had XXXX inquiries within 2 days XXXX XX/XX/XXXX of XXXX and some were made with companies twice in on day.They placed a fraud alert and locked my report but would not remove the inquiries.I was advised just to file a complaint.