davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (TX)

I deposited a income tax check in my account around XX/XX/2023 and and the bank Navy Federal that I was banking with restricted my account saying the check was bad but it cleared and my funds is still in my account I gave them my tax advisor information etc they made me file an appeal the mad me wait 5 days to 15days to now 2 months now and they are still giving me the run around and they are taking money out of my account to pay my credit card bills and car note but still cant access funds and its almost a year now
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

On the month of XX/XX/2021 i bought a computer for work, on the process of it, i wanted to verify an application for an open credit plan for another computer which was denied. 

I verified my consumer report on the consumer reporting agency Equifax on XX/XX/XXXX and noticed that an inquiry has been reported. 

I started a dispute the same day in which i detailed the violations done pursuant to my federal consumer rights, in which i stated : " ACCORDING TO 15 U/S/C 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERALSU BJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES/ME, A FEDERAL PROTECTED CONSUMER AND NATURAL PERSON, NE VER GAVE WRITTEN INSTRUCTION TO GRANT EQUIFAX PERMISSION TO REPORT THIS INFORMATION ON MY REPORT/ '' and today ( XX/XX/2021 ) i verified my consumer report for an update. 

In which they stated : " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. "
Consumer complaint received 2024-06-01
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. (MD)

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. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (PA)

While I was in bankruptcy from XXXX to XXXX I had my Mortgage modified to 2 % and was making payments of XXXX. After some time NaitionStar bank pulled the modified terms claiming the the person who did it did not work there then they said she was not authorized. Clearly someone authorized it and the banks computer system was taking my modified payments. I ended up making several payments over XXXX during my bankruptcy. I ran into financial trouble and missed some payments and was under the impression that because I was in bankruptcy I was not required to make payments. When I tried to pick up on the payments I was told that was not enough. So since the terms and interest rate was changed for 2 % to 7.875 % there have been XXXX thousands of interest over charges and the told me I had to pay {$250000.00} when the principal balance is only XXXX At any rate I am going through another modification attempt to reduce the balance and make the payment amount 30 % of my current income. I have been granted a Trail payment plan for XXXX from XX/XX/XXXX to XX/XX/XXXX I have submitted all the required documentation to reapply for the FHA HAMP modification program. The websites states it could take up to 30 days for NationStar to process. However I was told by XXXX XXXX around XX/XX/XXXX that they will do nothing until all XXXX trail payments are made. He also told me the loan terms will stand as is and not change. So they have clear blatant disregard for the HAMP program and have no intention on modifying my loan terms as it could be under HAMP. 

Attached are approval letter for the Trail payment, screen shot showing they have all required docs for the modification, Mortgage statement showing a minimum payment over {$260000.00}, And a Nationstar screen shot showing the principal balance with the raised interest rate of 7.875 %
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute the inaccurate address information currently reported on my credit report. Upon reviewing my credit report, I noticed that there is an incorrect address listed which I have never resided at or used in any capacity. 

The incorrect address is as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX The correct address should be : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX This erroneous address information is not only inaccurate but could potentially impact my creditworthiness and cause confusion in my credit file. I request that Equifax promptly investigates this matter and corrects or removes the incorrect address from my credit report. 

Enclosed, you will find copies of documents that verify my correct address : A copy of my driver 's license showing my correct address. 
A recent utility bill ( or bank statement ) with my correct address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct any information found to be inaccurate within 30 days of receiving this letter. Please confirm in writing once the investigation is completed and the incorrect address has been removed from my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting the correction. 

If you need any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a store XXXX card opened in late 2023. I paid all of my payments on time and even made double payments at time. It is still open with a XXXX balance however they are reporting it late in XXXX to one credit reporting place and then late in XXXX to another. 

It was never late. I would like the 30 day late notice removed from my credit reports. I reached out to the company and they are never helpful and very rude to me.
Consumer complaint received 2024-05-11
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. (WA)

There is a negative item reported on my credit report with different names of other persons .And I dont recognize how and why is reporting. This negative item doesnt meet the FCA reporting requirements. Other credit bureaus were able to properly verify this this account and was required to remove the account and how they were able to verify this account and they all have the same info. Delete immediately
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Since XX/XX/2021, was required the payoff statement of certain mortgage loan through the service agent 's attorney. This loan is in foreclosure process. In the request, my attorney specifically indicated that he expected compliance with ( 1026.36 ( c ) ( 3 ) ). He demanded that the payoff balance be provided within 7 days. After not receiving the requested information, my attorney re-wrote on XX/XX/2021 ; XX/XX/2021 and XX/XX/2021. None of the emails were answered even though an official of the servicing agent was also included on the communications. 

I intend to pay the balance and this delay is assessing me more interest owed, while the servicing agent advances the foreclosure process until the sale of the property in public auction. 

In the last email we warned that we would be filing the complaint and still they did not pay attention.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I have attempted multiple times to get this inaccurate account removed from my consumer report. The consumer reporting agencies has failed to do a thorough investigation and failed to keep me informed with information requested. Again, I am demanding that this credit account be removed from my consumer report : XXXX XXXX Account number - XXXX
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (SC)

My loan with Mr.Cooper/Nationstar Mortgage is being foreclosed on. I have not received any statements on this mortgage since XX/XX/XXXX. I mailed a letter to Mr. Cooper on XXXX XXXX I notified them that the balance they has was correct and specifically which payments they were stating they have not received. I requested a current itemization of that account. I received a letter in the mail in XX/XX/XXXX notifying me that my payment amount increased in XXXX and I was never notified until that date that the payments were incorrect or a statement. They stated that in XX/XX/XXXX my payments increased from the XXXX to {$1000.00} and that in XX/XX/XXXX they payments would increase again to {$1100.00}. In the paperwork they sent a paper that said my mortgage had been transferred to them in XXXX. This paper noted that my Principal was {$160000.00}. My mortgage principal was {$140000.00} on the original note that closed on XXXX XXXX. My original P & I was {$930.00} & escrow was {$150.00}. I asked Mr. XXXX XXXX from loss mitigation with Mr. Cooper on XX/XX/XXXX and I asked him why my principal had went up. He stated it was because of escrow, which I could not understand because I thought that amount was not added to the principal. I also asked why I was not mailed statements and he said that the post office returned the mail they sent. Which I also thought was funny because I receive the loan modification information but never a statement. 
In XX/XX/XXXX I was four payments behind. I made two online payments on XXXX XXXX and I then mailed two checks to completely catch my payments up. These payments were sent back to me. This would have caught the payments up that I was behind. I contacted Mr.Cooper/Nationstar Mortgage to ask why they sent the payments back and he said it would not have cured the default because of the difference in the payment amount that started in XX/XX/XXXX that I was never notitifed of. The balance of that amount would have been {$980.00} due to the change in payments. I asked to pay the past due balance to Mr. XXXX which would have been up to XX/XX/XXXX {$7100.00} with the balance from the months that included the payment changed. He stated that I would have to pay lawyer fees now. The balance they had was incorrect. I spoke with XXXX with Mr. Cooper to get a reinstatement amount which was {$11000.00}.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: LEXISNEXIS (PR)

Wanted two birth certificates from vital Chek in XX/XX/2020 paid {$67.00} and never received the documents.Since the documents were urgently needed, I ordered them again in XX/XX/2020 this time I paid $ XXXX no documents and no refund from payment in XXXX and XXXXContacting vital Chek via phone or email is a waste of time ( no answer )
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CT)

For fifteen years I have faithfully and on time paid my monthly mortgage payment via direct automatic debit from my checking account. The final payment was due in late XXXX. The servicer, Nationstar Mortgage d/b/a Mr. Cooper, did not debit my account for the final payment. I was told that they would only accept payment by wire transfer or cashier 's check sent via overnight mail. I have reviewed my mortgage and do not see any terms that would allow the mortgage holder or its servicer to place such onerous restrictions on the payment modality ( restrictions which will cost me money ). 

The company has also now assessed a late fee. In addition, the final payoff statement includes a recording fee of {$60.00} ; again I don't see anything in my mortgage that would allow that to be charged ; it is a cost of their doing business. 

I have spoken to the company four times and every time the answer is " that's our policy ''. At the end of my most recent call ( XX/XX/XXXX ), I was promised that a manager would call my cell phone to discuss the matter within two hours. Over a week later I have never received a call. 

I wrote to them twice ( attached ) and have not received a substantive response. They have me over a barrel - I can't in good conscience make my final payment because they are making it so hard to do so - both method and amount ( I question their statement ). You will note from the attached correspondence that they will not respond to me for over a month - by XX/XX/XXXX. That puts me another month past due, and of course I have legitimate concerns about their reporting me to credit bureaus I believe that the company is engaging in unfair trade practices by forcing final payment by restrictive and consumer costly methods, adding a recording fee, and not answering my good faith questions. 

Please review the attachments. They document my good faith efforts to engage and their
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of XXXX XXXX. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

On XX/XX/year>2024 I mailed out a dispute to Experian regarding inaccurate information being furnished on my consumer report. In addition to the description of the procedure they used to determine the accuracy of what they are furnishing see Exhibit A in attachments below. Certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX see Exhibit B. 
Experian received my dispute letter on XX/XX/year>2024 see Exhibit C. 
15 USC 1681a speaks on accuracy of the consumer report 15USC 1681e ( b ) speaks on a consumer reporting agency furnishing accurate consumer reports; accurate means all values correct.

15 USC 1681i ( 6 ) ( b ) ( iii ) speaks on the description of procedure used to determine the accuracy and completeness of the information being furnished If a consumer shall request this information.

15 USC 1681i ( 7 ) states that a consumer reporting agency SHALL provide to a consumer a description referred to in paragraph 6 ( B ) ( iii ) by not later than 15 DAYS after receiving a request from the consumer for that description.

I requested a description of the disputed items pursuant 15 USC 1681i Experian not only failed to respond in the satisfactorily time allotted by law but also failed to respond to my dispute altogether. As you can see in exhibit C my correspondence was delivered.

Experian has completely disregarded my request in not sending me information requested and also directly violated 15 USC 1681i ( 7 ) and 15 USC 1681i ( a ).

15 USC 1681i ( a ) states that information that can not be verified as accurate or complete must be deleted in 30 days.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PR)

My complaint is with Equifax. I have applied for refinancing my home mortgage with XXXX XXXX XXXX XXXX. They need to have all three credit agency reports to process my application. I had previously requested a credit freeze with all three credit reporting agencies in about XXXX to protect myself from Identity theft and had a problem only with Equifax to lift my freeze. They told me that they could not lift my freeze without my answering the security question of : " When did you a apply for your credit bureau freeze? '' I believe it was in XXXX, when I was advised by XXXX to protect myself from Identiy Theft. Equifax asked me what month. I had told them on Monday, XX/XX/XXXX that I thought it was XXXX, when that was not the right answer, I said it could have been XXXX. That was not the right answer, so today I said XXXX. When that was not the right answer, I said that I will file a complaint with the federal agency which regulates them. Then the lady very nicely told me that I would not have this problem if I applied online to lift my security freeze. I was very happy to know this and I thanked her. When I went online to myequifax.com today, I was asked for my father 's middle name. My father 's middle name is XXXX, but I was told online that was not the correct answer. I am XXXX years old, and I have known that my father 's middle name is XXXX since I started kindergarten. How does Equifax know that my father 's middle name is not XXXX? I have had only one father my whole life! It should not be impossible to have my Security freeze lifted.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Union Home Mortgage Corp (IL)

On XX/XX/2023 I submitted documentation to UHM for mortgage assistance. 
Loan number XXXXThe UNION HOME MORTGAGE IS THE LENDERXXXX XXXX XXXX XXXX OH XXXX XXXX 
I asked for a break from payments due to having hard time to catch up with my other bills and explained and attached statements showing I have no food or home related bills because I barely can pay for them and UHM stated their response time was 30 days. 
On day 30 I emailed, called they did not respond. Finally someone responded that they are still reviewing my request. That was on day 30.I called on day 31, they still did not respond.I kept on emailing, they kept on creating cases without answer and closing them as resolved.After calling someone on UHM end told me my request was denied without any explanation. 
At this moment, I am left out, purposefully, so I become default.UHM did not review my request or my proofs attached and stopped responding close to deadline so I get late on my payment.I find their practices deceptive and unjust.Soneone needs to investigate them ASAP
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO (PR)

Two unauthorized transactions : XX/XX/2021 - {$130.00} XX/XX/2021 - {$4.00} We request to the Bank an investigation due to this transaction were not realized by me through the XXXX with Logo of VISA. The Bank determined that this request does not proceed.