davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : Balance : {$18000.00}
Consumer complaint received 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I just received again a foreclosure notice from  XXXX   XXXX ,  XXXX  today  XXXX   XXXX ,  XXXX . The Trustee has scheduled the foreclosure sale for  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I called my dedicated loan specialist,  XXXX   XXXX  to check on the status of my HAMP Loan Modification I applied for in  XXXX . She returned my call but left me a message with her phone number which I already have and another phone number. She did not address the message I left for her on her voice mail.     In  XXXX  of  XXXX  she told me that my  HAMP Loan Modification with Nationstar is over because The HAMP Loan Modification Program deadline w as  XXXX   XXXX ,  XXXX . I disputed her claim because the program deadline did not apply to me as I have already applied for the modification in  XXXX . I also told her the deadline was for those who were yet to apply for the program. So, Nationanstar has unilaterally resolved to stop the process to modify my loan and closed the  HAMP Loan  Modification I applied for in  XXXX . According to the  HAMP Loan Modification Program guidelines Nationstar can not just unilaterally res olve the loan modification and sweep it under the rug ; it has to be bilaterally resolved. Their decisions were based on botched modifications and out right refusal to modify the loan. They never made any conscientious effort to modify the loan. Their main objective is simply to foreclose. Since they took charge of my loan modification almost six years ago they have been giving me the runaround, asked for the same documents over and over again and never utilized them to modify the loan. Also, they have engaged in lies and deceptions. They have been playing hardball with me over and over again ever since.     The  XXXX   XXXX   XXXX , said that a copy of the advertisement of the sale published in  XXXX   XXXX   XXXX  is enclosed in this letter and that is not true.
Consumer complaint received 2024-05-15
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. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities XXXX constitute a violation of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (VA)

XXXX XXXX Please be advised that my Bank Operations investigator wants to know how Robinhood plans to proceed with restoring my stolen funds? I was on the phone a whole 3hrs with a guy named XXXX in your XXXX & XXXX XXXX  & was given access to my account after receiving all my Documentation. Your overshoot XXXX  international employees are complete vagabonds & like to obstruct & harass private class citizens & Celebritys. Im done letting your withold access to my mobile app & blocking my access to phone/chat support. I am an American ADA customer & need IP Relay & phone support. These contact phone numbers you call us from are not registered for incoming calls. & my account # XXXX are not registering for automated calls. You will not steal my money & let your immigrant vagabonds employee obstruct the order & Compliance of my account. You allowed somebody internally deactivate my accounts today knowing you owe money for my stolen crypto. 
U need to have your CEO know that's this is not acceptable & Im going to be asking over & over to get my phone access back & to stop letting your snake twisted employees invade my consumer privacy. I need American phone support I do not want you internationally violating my consumer privacy. I need my money transferred back to XXXX or on my Spending Account. I will have submit a charge back to XXXX if XXXX doesn't Cooperate. It Seems like on these calls your Overseas reps are confused & obstructing the process & progress they told me tonite that a manager was calling me back than put me on hold lied & said 1 to 3 days. XXXX should have your Speciality team contact me themselves so They can provide the process of retracting & getting back the funds. I think we should keep my account reps within the USA to avoid these Cultural Diversity delays. If you listen to the calls the agents are contradictory & elusive.
Consumer complaint received 2024-05-15
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. (NY)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-02
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. (WI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

To whom it may concern, My name is XXXX XXXX and I would like to file a complaint against Bank of America. My social security number has been compromised on the dark web. I am not a customer of Bank of America and do not have an open account with BofA. 

I have received multiple emails that BofA checking accounts have fraudulently been open in my name. I have called BofA to notify them that I did not open an online account. The only way I was aware of an open account is that the attacker/fraudster had used my valid email address to open the account. 

I asked the BofA are there any policies in place to put a stop/hold on my social security number at their institution to make sure that this does not happen again and they responded that there are not. I am materially inconvenienced when I have to continue to call them every time a fraudulent account is opened in my name. Please help prevent this from happening to myself and other civilians.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

These accounts do not belong to me. I am a victim of identity theft and I have included the identity theft report. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WI)

My Citibank account has not been accessible for the last XXXX weeks. 

I have attempted to resolve the issue with Citi directly, calling their internal number ( XXXX ) XXXX ( Option XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each call I was assured that access to my account would be restored within 48 hours but access to my account has yet to be restored. 

Furthermore, since my account statements are associated with my savings account, I am unable to view any digital records pertaining to the account. The existence of the account has even been removed from the digital dashboard. I still am in possession of the ATM card, deposits made into the account from external checking accounts, and account creation emails.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: PNC Bank N.A. (FL)

Sent an international wire in the amount of {$8000.00} ON XX/XX/year> @ XXXX XXXX XXXXXXXX XXXX XXXX The receiving party only received {$7700.00} in XXXX. Pnc refused to provide any further details regarding the transaction.
Consumer complaint received 2017-03-31
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (FL)

LOAN DISCLOSURE FRAUD ~ ILLEGAL PURCHASE AND SALE OF A FRAUDULENT LOAN. 

ATTACHED IS THE HUD STATEMENT FOR XXXX, XXXX FL. IT WAS DISCLOSED WITH ESCROW ITEMS LEFT OFF, MAKING THESE ELDERLY CONSUMERS THINK THEY WERE SAVING MONEY WHEN THEY WERE ACTUALLY BEING RIPPED OFF. 

NATIONSTAR AND XXXX HAVE BOTH WENT ON THE RECORD AND STATED THAT LOAN FRAUD IS PART OF THEIR DAILY BUSINESS PLAN. THEY HIDE LOSSES USING FRAUD AND THEY ALSO COLLECT ILLEGAL FEES USING FRAUD ON PAGE 3 OF THIS STATEMENT, ESCROW DISCLOSURE, {$200.00} A MONTH WAS LEFT OFF IN THIS SECTION AND THEY NEVER CORRECTED THE FILE AS REQUIRED BY LAW. 

NATIONSTAR HAS SHOWN ZERO HONESTY AND AFTER DOZENS OF CFPB COMPLAINTS THEY REVERTED BACK TO THEIR STANDARD LIE " WE CA N'T ATTEST TO THE ACTIONS OF THE PREVIOUS SERVICER ''. 

IS IS 100 % FALSE AND 100 % MISLEADING. ALL PAPERWORK IS TRANSFERRED AND ALL SIGNATURES AND FORMS ARE IN THEIR POSSESSION. 

NATIONSTAR CONFIRMED LOAN FRAUD BUT THEY SELL HOMES THEY DO N'T OWN. WE WITNESSED FIRSTHAND AS XXXX, XXXX FLORIDA, WAS SEIZED, MARKETED AND AUCTIONED BY NATIONSTAR EVEN THOUGH THEY NEVER LEGALLY OWNED THIS PROPERTY. THEY CONTINUE TO LEAVE THIS PART OUT OF THEIR CFPB RESPONSES TO US. 

THEY STEAL HOMES, THEY DO N'T OWN THEM, THEY DO N'T CARE. THE THEFT OF XXXX IN XXXX FL IS ALL IN WRITING WITH DATES AND NAMES AND A TITLE COMPANY CLEARLY SAYING " NATIONSTAR DOES NOT AND NEVER DID OWN THIS PROPERTY THEY JUST SOLD ''
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (LA)

Dear Consumer Relations : In Re : loan # XXXX I am writing to file a complaint with your agency in regard to my mortgage company ( Nationstar Mortgage ) proceeding to a scheduled sale of my property XX/XX/XXXX. I also like to state, I am at the end of the process of completing a Deed-in-Lieu ; and for Nationstar Mortgage to use this tactic to force foreclosure sale of my home would be detrimental. 

Furthermore, I have contacted Nationstar Mortgage several times to urge them to please cease the sale until they received the necessary Lien release/paid in full documents from HUD County. The mortgage company has release a payment of {$6000.00} to HUD county XX/XX/XXXX. XXXX ( HUD county ) stated it will take 30 to 60 days to forward the information over to XXXX ( Nationstar Mortgage ). I am at the very end of completion and to simply do n't allowed the time to received the documents is just ridiculous, this due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan under Deed-in-Lieu process and this is a violation of the National Mortgage Settlement. 

Lastly, I have submitted my Hardship Affidavit XX/XX/XXXX, and the application to XXXX ( Collateral Liquidation Specialist ) who is working delinquently on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I SENT MY XXXX DISPUTE TO XXXX XXXX XXXX ON XXXX XXXX DEALING WITH THE INACCURATE REPORTING OF LATE PAYMENTS ON MY CREDIT FILE. I SENT MY DISPUTE LETTER 15 USC 1666 TIMING OF PAYMENT AND THEY CONCLUDED TO SAY THAT THIS LAW WAS DEALING WITH A CREDIT CARD ACCOUNT. 
15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
THEY USE MY SOCIAL SECURITY CARD AND DRIVER 'S LICENSE FOR THE PURCHASE OF THE LOAN, AS WELL AS MY CAR TAG. 
I AM REQUESTING THAT THIS INACCURATE ACCOUNT BE DELETED FROM MY CREDIT REPORT BEFORE I SENT THIS OVER TO MY ATTORNEY TO SUE. 
XXXX HAS VIOLATED 15 USC 6802 BY NOT GIVING ME THE OPTING TO OPT OUT AND GIVING ME MY DISCLOSURES. 
LASTLY THE ACCOUNT IS REPORTING INACCURATE AND INCORRECT ON MY CREDIT REPORT - PLEASE DELETE
Consumer complaint received 2024-05-15
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. (MO)

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 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX **SS # : XXXX *Date of Birth : XX/XX/year> Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : ACCOUNTs XXXX ( CLOSED ) # XXXX XXXX {$5100.00} XXXX ( CLOSED ) # XXXX XXXX {$9100.00} XXXX ( CLOSED ) # XXXX XXXX {$3100.00} XXXX ( CLOSED ) #. XXXX XXXX {$5700.00} XXXX ( CLOSED ) # XXXX XXXX {$7100.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX
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: EQUIFAX, INC. (CA)

XXXX XXXX Account Number- XXXX I am now requesting proof of the previous investigation. I m asking that you send your method of investigation, a long with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, If you can not provide me with this information In 15 days update the account to Paid/never late and send me a copy of my updated credit report thank you
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your efforts to remove some of the inaccurate items from my file that resulted from erroneous credit data, but there are still items that need to be addressed. Pursuant to FCRA section 605B, you are required to remove any items from my file that resulted from inaccuracies in my credit history within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. Attached is my updated FTC report XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IR XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please note, according to FCRA section 605, you are required to remove any items within 4 business days if they are the result of inaccuracies in credit information. Additionally, please send the necessary notifications to the data furnishers involved. Thank you.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.