davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (PA)

On XXXX XXXX, Nation Star/Mr cooper received a payment from me for {$10000.00}. My balance was {$10000.00}, which should have left a balance of {$83.00}. On XXXX XXXX, I saw the check clear my account, so went on line to see if I could get a payoff amount. I noticed the {$10000.00} was " unapplied payment '' and my balance was still {$10000.00}. On the home page it stated congrats your loan is paid in full. I call and the girl on the phone told me that my account was paid off and I had no balance. I told her I should have a {$83.00} balance. She told me, I was wrong and there was {$100.00} escrow credit which was applied to my account. I told her the payment history did not show that and my most recent statement showed a balance of {$11000.00} with next payment as of XXXX/XXXX/XXXX, which was incorrect because it did not show my normal XXXX payment. She told me it would take a day or 2 to apply the payment, but my account was paid in full. I checked back on the XXXX of XXXX and their was not change to the history of the account, so I called again. I got the same run around and I was told it is in the satisfaction department and I was paid in full. On XXXX XXXX, I sent and email to them asking for my account to be updated because it was still showing {$10000.00} balance. They sent a generic email back stating someone would get back to me. On XXXX XXXX, I sent another email stating if it was not fixed I would be going to the CFPB, I received another generic email stating I would be receiving a letter within 10 day ( no letter ). SInce I did not receive a XXXX Statement in the mail, I went on line to check my account. There was no statement generated and the balance was still {$10000.00}. On XXXX XXXX, I sent another email, because the account is still showing a balance of {$10000.00}, I received a generic email back. On XXXX XXXX, I received a letter at my home, that they are researching my complaint and they have 30 days from when I notified them to resolve the complaint, however most of the time it is resolved in less than 30 days. It was already over 30 days from when they received my payment. On XXXX XXXX, I check my account and it is still showing a balance of {$10000.00}. 

I need a statement showing my payment was applied and the balance is {$83.00} and if there is an escrow credit of {$100.00}, it needs to show that, if not I need a true pay off figure. If my account is satisfied then I want my mortgage satisfied in the court house and proof the account is satisfied. I do n't want anything to show on my credit report years ago that I had a collection or missed payment for XXXX How hard is it to post a correct payment. How can it continue to show as payment applied, when my check was cashed?
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Below are the listed items that need attention : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

we had a short sale in progress with a great contract offer well qualified buyers. The first mortgage was listed in 2nd place and the heloc was in 1st place it took the 2nd mortgage all most a year to get change. Finally the first was in place and we should have closed sometime in XX/XX/XXXX. The first  mortgage Mr. Cooper was double tracking then once they were in first place they tried to foreclose. I had been receiving notices that this was being moved to XX/XX/XXXX. But with less then a days notice they were going to auction the home. I had to file chapter XXXX in order to have a home to live in. This should n't have happened. I had an attorney working to get this short sale to close. We did everything possible so that Mr Cooper mortgage company would have a full payoff. But they would n't respond to our attorney.. I was very upset. I did what I was suppose to do. We have been very honest with everyone associated in this deal. But for me to have to file in order to have a home to live in after I have a great buyer who has been very patient and waiting for these mortgage companies to do the right thing. This is just plain wrong. Mortgage companies should not be allowed to double track when working with the public like this. We did n't want a foreclosure on our credit. A short sale is bas enough. Our attorney has also filed with you too.
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. (NC)

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.

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 informationisinaccurate.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 # XXXX and Account 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 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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently filed a complaing about Bank of America 's practices with my account so this is in a sense an update. This last credit card period of one month I was charged over 100 % interest on purchases ( charged {$36.00} in interest for {$31.00} in purchases ). The previous month 's interest was precisely correct, but this is not suprising as over time I have noticed a pattern of inconsistent interest charges and have usually been too busy to deal with it but am really upset at this point and hope to be fairly remunerated. 

A transfer I did not authorize was also made from my Bank of America checking account to an external linked account I have with another bank. 

Both of these events are disturbing and I really hope for an audit of my accounts to explain each, and all of the unfair interest I have been charged since opening the credit card account in 2014 to be remunerated.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

I need that XXXX XXXX make the necessary adjustments. They removed the negative mark that appears in my credits teports in the month of XXXX for the month of XXXX and included it again in the month of XXXX. They even include an false observation in the report that reads : XXXX XXXX. The problem of this delay was fault of the bank and the XXXX application according the bank informed me. This application was programmed to debit {$150.00} fortnightly and due to a problem that the application had, it only debited {$1.00}. The bank informed me not use that application due to problems I had and they recommended that I switch to " XXXX XXXX '' app, which I did immediately. This is not allowed by the fair credit law. I have spoken with more than XXXX representatives and they have agreed to resolve the matter and have not done anything. 
Even, I have never received a card statement, this other issues were left to be resolved and they have not done anything. 
This matter has caused me irreparable damage. They have even disabled my account due to an address problem and I have already sent you the required documents twice. They unlocked my card on XXXX occasion and then re-locked it. 
I send him everything I have done in the past emails and I include again my identifications with the electricity bill and the credit report. I demand that they fulfill their responsibility since the damage caused is irreparable. 


I await the call that XXXX XXXX agreed to give me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

I cosigned for a car for someone in XXXX who then approximately one year later decided to abandon the car and left it with me. I then had to go through hoops to try to get the car registered in my name and have the car sold to me in XXXX with all the documents and paid receipts of sale in XXXX the car was lost in the flood in XXXX and as of this date XXXX XXXX has refused to pay off the vehicle because XXXX keeps sending a title in their name as the owners even though there is no lien on the car and my name and the person I cosigned for is still on the back of the title I have tried several times with the motor vehicle department insist that XXXX has to have my name put on the title being it is sold and paid for XXXX has not helped me in approximately six years that Ive been trying to do this and now I am stuck with a car that is salvaged And XXXX XXXX will not pay me until the title that XXXX has to release has my name on it It seems that this is an ongoing problem with XXXX for people trying to get a title and their name. This is not acceptable to them to issue a title with their name still on it as the owners when the loan is paid off after purchase and I have receipts for it XXXX XXXX will release my money but I have to send them a title with my name on it so it can be sold to them for reimbursement. There was no loan on the car after the lease. We just bought it out right as the receipt shows. Thank you.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I received a {$600.00} offer in the mail if I opened a new checking and savings account with Citizens Bank. The savings account offer was worth {$300.00} if I made one {$200.00} deposit each month for the next 3 months. When I signed up for the account on XX/XX/XXXX I was told I could make the {$200.00} deposit online when I got home, and that would count as the first of three deposits. I did this and then subsequently made the other deposits in XXXX and XX/XX/XXXX. I did not receive my savings account bonus for a few months and had already received my checking account bonus. I went into the branch multiple times and each time they said it would come the next month. In XXXX, after a few months of stating I was no longer interested in waiting, I filed a complain in-person in the branch stating that I never got my savings account bonus. I was told I would receive an update on the complaint in XXXX weeks. At the end of XXXX, I came into the branch asking for an update on the complaint. I was informed the bank had called me and told me the resolution. I never received a call or letter addressing the complaint. Additionally, the bankers told me they did not have details about the complaint other than that the bonus was properly denied. I asked them to escalate the complaint, at which point they did. In XX/XX/XXXX I received a letter from the Office of the Chairman stating my savings account bonus was declined since I only made 1 deposit in XXXX. This is untrue as XXXX {$200.00} deposits were made and are reflected in my account statements. I was informed through the letter that the first {$200.00} deposit must be made the month after the account was opened, which was contradictory to the information I received when opening the account. I only opened my account because of the bonuses. When I tried to contact the phone number listed on the 2nd complaint 's letter, I never heard a response. I called around 12 times between XX/XX/XXXX when I received the letter until today, XX/XX/XXXX. I left multiple voice messages with my name and contact number but never heard back. Today, I called the bank at their XXXX number and was told they could not do anything to assist me. 
I believe I was misled and deceived when opening my account and believe my complaints were not handled properly as the first I never heard the resolution until I went into the branch and the second I was unable to contact the bank for further questions at the number provided.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (FL)

A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-06-22
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. (HI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

For the second time in 6 years I am being forced to defend my property pro se. 
It does n't seem to matter that the XXXX foreclosure was FIRST a XXXX, Aurora, Aurora XXXX XXXX XXXX, robosigned MERS, mortgage, that was thrown out of court in XXXX. And I guess the 5 year statue of limitations law in Florida, means XXXX is above the law to have to refile the foreclosure now, claiming this time, ownership of a XXXX securitization by blatently altering the records. 

Their fraudulent actions, killed my marriage of 15 years, stripped my 50 year 's net worth and has frozen my ability to work as a XXXX figure XXXX since XXXX. Around XXXX while conducting my own forensic audit, I found that DeutcheBank is and ALWAYS WAS the bad actor here and served a QWR to NationStar servicer, that never responded to it.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NC)

I filed a XXXX complaint against XXXX XXXX on XX/XX/2019. They responded and stated that the account will be removed from my credit file. I received a recent credit report and the account is still reporting negatively. I am asking if and when the account will be removed from my credit file. 

**I have attached a copy of the XXXX report showing that XXXX XXXX agreed to remove the account**