davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

My mortgage was sold to Nationstar - they never rec'd the XXXX payment at the time of the switch- they didn't tell us until several months had passed and they started applying payments to the prior months and demanding we pay XXXX the amount due to catch up - meanwhile tacking on late fees every month.  (I finally did to shut them up)  They also have billed us XXXX for an alleged drive by to see if the house was occupied (despite getting mail from us at this location and not having any of their mailed statements returned by the Post Office.  Most recently, they started sending me electronic statements (WHICH I NEVER REQUESTED) - at first, I thought the statements were just lost- after a couple of months, I realized it wasn't me but rather Nationstar was up to their old tricks.  I sent in payments when I thought they were due... I never was able to confirm status.  XXXX payment was missed- again - they started applying payments retro-active and never communicated with me until I CALLED and Nationstar had applied late fees again. XXXX times- they report me as deliquent to the credit bureaus and accept no responsibility.  I've sent an email advising do not call b/c now they have started calling- XXXX day, XXXX times- XXXX of which were 15 minutes apart.  This wakes my husband who works night shift.  They have called XXXX yesterday and XXXX today despite having sent the do not call notice.  XXXX day - I spent over an hour on the phone with customer service with no resolution - the only way to get resolution is to make nasty posts on XXXX which prompts them to follow-up and respond or else they know you'll keep posting.  The internet (including XXXX is FULL of negative comments about this company.  I am honest in my banking - if you look at the prior 20plus years of home ownership, I never had a problem but now with Nationstar, I have nothing but trouble.
Consumer complaint received 2022-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Debt USA, LLC (WA)

I started working with Student Debt USA XXXX years ago. They promised me they could get my monthly loan payments lower than I could working through the Federal Student Loan agency. I now know that is not true.I could have received the same payment by managing my own student loan. They also told me the best thing I could do was to consolidate my student loans, which I did. I now know this impacts my loan forgiveness plan. They were also taking {$35.00} out of my account every month, even over the last XXXX years when there was no loan processing necessary. I have tried to contact them several times over the last couple of months with no response. I finally sent them an email, XX/XX/2022, requesting that they call me within a week or I would stop payments. They did not call me, but they withdrew XXXX payments ( {$35.00} x XXXX = {$100.00} ) in XXXX, XXXX Apparently, trying to get as much money as they could before I stopped payments. Employees I worked with at Student Debt USA were XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is only my first complaintI will be telling anyone / agency that will listen. Student Debt USA misrepresented their services and stole thousands of dollars from me.
Consumer complaint received 2023-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have read the article about Originator. I don't really understand. What I do know is that the word means to me is the original. The start is the beginning. Our mortgage is an example We built this house in XXXX thru XXXX XXXX XXXX. We put in a {$7000.00} dollar down payment. In XXXX we thought we were refinancing with XXXX. We refinance to get {$10000.00} to finish our Bonus room. It was not until this situation we learn it was Bank America. BOA gave XXXX ( {$170000.00} ) My husband said the closing was at XXXXXXXX XXXX that night. He had just left work. He also said it was only 2 people there, him and a XXXX lady. Who was at CLOSING?? XXXX or Bank America?? Who got the Loan from XXXX XXXX XXXX? Who did the XXXX lady Represent?? Bank of America gave XXXX {$170000.00}. The loan went from {$170000.00} to {$190000.00}. Why didn't Bank of America buy the Loan from XXXX XXXX XXXX directly? Why was XXXX involved in this process? All of this was planned. The Originated date was not XXXX as Bank of America stated they stand by their Documents. The Originated date is XXXX. Where is the payment history for XXXX some documents are not accounted for? During that time I always sent at least {$100.00} extra with my mortgage payments. Was this legal for Bank of America to pay XXXX this money? No!! it wasn't. This is double dipping, everyone is getting paid. Then that leaves us without a house. Now, I have Bank America sending Encrypted emails telling me to download because my computer is not secure. Now, Today 's email from XXXX tells me to respond because of some security issue. This is harassment and retaliation View the full complaint. Why Bank of America Resolution Specialist going offline to send CFPB private letters? Why are they sending me letters stating they are not going to compensate me monetary or any other compensation. They said they stand by their decision. 

View full complaint
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-07-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have now requested that the dispute comments be removed from the XXXX # XXXX be removed as I no longer dispute the account and it was resolved. I have made the request 3 times ( last attempt was on XX/XX/ ) to each bureau and it still appears. This dispute is interfering with my ability to obtain a mortgage and rates keep going up.
Consumer complaint received 2024-07-13
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. (TN)

DEAR, TRANSUNION WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. ( XXXX XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ( XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAYAT ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I, XXXX XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts, inquiries, incorrect addresses, and inaccurate names appearing on my credit report Reported without valid evidence Account name : USAA FSB Account number : XXXX Please remove inaccurate information from my credit report I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 
Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C. 1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice. 

Please acknowledge the receipt of this letter and provide a timeline for the resolution of this matter. 
I am sending this letter as the sender, XXXX XXXX XXXX, expressing my personal thoughts, opinions, and intentions. The content of this letter is solely my own and does not reflect the views or opinions of any organization or entity. 
Thank you for your prompt attention to this matter. I anticipate a swift resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit 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: GOLDMAN SACHS BANK USA (TX)

Dear CFPB, I am writing to file a complaint regarding multiple unresolved issues with my Apple Card. 

First and foremost, a dispute of mine has been supposedly resolved, but I have not received the credited amount. Furthermore, I did not receive any email confirming the resolution. However, my account still displays the transaction as " under review '' instead of the correct status, which should be " credit applied. '' Despite numerous attempts through SMS and phone calls, the issue remains unresolved. Transaction details : {$130.00} on XXXX XXXX XXXX XXXX 

The second issue involves a purchase on XXXX, where I cancelled the order immediately to change the payment method. However, both XXXX and Apple Card are deflecting responsibility, each claiming the other is holding the funds. The correct procedure should be an immediate refund. Transaction details : {$110.00} on XXXX XXXX XXXX XXXX 

I have raised the possibility of a system issue with the bank multiple times, but no resolution has been provided. I request regulatory authorities to oversee the recent actions of Apple Card. 

Sincerely, XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (MD)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress 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. '' The furnisher of information to credit agencies is considered a financial institution under this title.

15 USC 1681 section 604 ( a ) ( 2 ) states, " 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. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " 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. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) 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 seven years. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-08-31
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. (MN)

I Reviewed my Consumer Reports and noticed that I had XXXX payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX : XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VI)

While I deeply appreciate the services and credit extended to me by financial institutions, I find myself perplexed at the inability to secure credit limit increases on my accounts. Notably, all of my accounts are in good standing, with a consistent history of on-time payments. Additionally, I have recently experienced a significant increase in my monthly income, which bolsters my financial stability and capability to manage credit responsibly. Given these positive factors, I am keen to understand the criteria or concerns preventing the approval of credit increases. I believe that a reconsideration based on my improved financial position and impeccable credit management would be both fair and beneficial for both parties.
Consumer complaint received 2023-10-29
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. (VI)

In XX/XX/2023, due to an unexpected hospitalization, I was briefly late on my XXXX card payment by no more than 30 days. As soon as I was able, I promptly addressed and rectified the situation. Despite my proactive approach, and after discussing the matter with XXXX, I was initially informed by multiple representatives that they would update the payment status and report the corrected information to credit bureaus. However, I later learned that they would not take such corrective action. I have consistently maintained an on-time payment history prior to this singular incident. I kindly request that this unique situation and the conflicting information I received from XXXX be considered when reviewing my credit history.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TN)

My friend made a mistake and forgot to remove my card from her XXXX. She deposited the funds to her XXXX  to be taken for her mistake XXXX took the funds but it was never returned to my account at SoFi. She used some funds XXXX add cash transaction on XX/XX/year> posted on the XXXX I contacted SoFi and asked why wasnt my money returned to my checking account. I reached out to XXXX  as well for the trace ID to determine when was it returned but I never received anything back they stated that it was reversed. On XX/XX/XXXX XXXX  stated it was reversed to my account but was never received.
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MI)

I have had over the required 120 qualifying payments for PSLF forgiveness since XXXX of XXXX. Since that time I have submitted 2 additional PSLF forgiveness forms and I am now at 141 qualifying payments as of XX/XX/XXXX. 

I have called MOHELA representatives multiple times asking my my loans have not been forgiven and they can confirm I have the required qualifying payments but they can not explain why I havent been forgiven or what their process is to confirm when I will be forgiven. 

I have also submitted a message request asking MOHELA why I havent been forgiven but got an autogenerated reply with no details.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union (HI)

I opened this account with the promise that I would receive a {$300.00} bonus when I completed a required number of direct deposits to the account. I have completed them and the bank is refusing to pay the bonus and is stating that I didn't meet the requriement when I clearly did.
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NV)

This debt randomly appeared on my credit report. The account says it was opened on XX/XX/2022. In the span of XXXX years, I never heard from this company. I never got a notice, a call, a letter, nothing in regards to this debt being bought by this collector, or that I owe this money. 
I never got to verify or validate this debt, and I did not receive a validation letter within the time frame required for a debt collector. They instantly reported to a credit reporting agency without communication to me about this debt.

I feel though it is unfair to have something put on me debt and credit report that I had 1. No knowledge of 2. Not communicated to about and 3. Have my credit get impacted by this report.
Consumer complaint received 2024-06-07
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. (CA)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 : 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 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.