davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I have been seeking assistance from my mortgage lender, Flagstar Bank since XX/XX/XXXX and as of today 's date, there has been no amicable resolution. 
I fell behind on my mortgage due to lost of 2 incomes, my dad who was helping me died due to complications from XXXX and I am now dealing with XXXX. 
There were multiple offers submitted to the lender and the assigned specialist, XXXX XXXX, never seemed to take the time to review any of the documents submitted by my realtor before promptly denying every single offer. I have made numerous calls to speak with her and was always informed " she is not available '' and even making requests to speak with her superiors was impossible. 
To my knowledge, my real estate broker was in contact with someone from FHA by the name of XXXX XXXX who was helping but I am not sure if she is still involved. The lowest offer submitted was {$250000.00} and the appraisal came back at {$310000.00} and although the buyer increased his offer to {$270000.00}, XXXX XXXX rejected the offer by stating " duplicate offer ''. 
At the time of this complaint, the last appraised value was {$530000.00}, and that appraisal was completed in XX/XX/XXXX. The problem however, is that due to my health, I had to vacate the property so that my daughter could help me. The current offer is at {$420000.00} and once again, XXXX XXXX rejected the offer by stating " property does not qualify for a short sale ''. Due to the current water damages and mold, which occurred in XXXX when the pipes burst, I am not sure if I will get anyone to move forward with a traditional sale and I have made numerous request to have XXXX XXXX replaced as I believe she is either prejudice or bias against me. 
It should not take this long for any homeowner to receive assistance from their mortgage lender, when there is a equity buyer involved.
Consumer complaint received 2023-10-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seattle Service Bureau, Inc (FL)

recently there was a motorcycle accident and I was asked to pay for the damages and I agreed to ay the amount they asked for which i did $ XXXX at that time I asked if this was the total amount and the collector stated yes. XXXX he is stating that I have to ay them another XXXX dollars and I also said i would do so, I have been making payments every month of {$100.00} sent to them by money order with the XXXX ID # XXXX I have not missed a payment. Now this collector XXXX XXXX of the National Service Bureau, has threatened to have my drivers license suspended, is rude calls me and says that the way i am paying is not acceptable he wants my bank account number and has even told me to just go the store and buy a pre paid card and give him that number, when i stated that no i would not and he can not have my bank account number he hung up, He is very nasty and rude even after I have been making these payment as i stated i would. If he does not like the money orders then maybe he should bay this additional money himself. I am afraid if i argue with this individual he will cause me to loose my job and he will have my drivers license suspended because i have not done it in the way he wants. 

They are getting their money and i feel this harassments is uncalled for and this is causing me great distress. I am trying to do the right thing and he is going to make it so that i just say NO MORE if he does not stop the never ending harassment 's
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal credit Union raised my interest rate from 12 % to 18 % and my monthly payment from {$300.00} to {$350.00} a month all because they said my signature on my power of attorney did not match the signature on the loan through the DMV. They did not bring this to my attention before doing it once I noticed it I reached out to them to fix it. I was told I needed to resign my power of attorney with a matching signature. I was told by Navy Federal supervisors how to sign my name three different times three different ways which was told to them by the underwriters and each time it was never accepted without notification to me. Each time I signed a new power of attorney and mailed it back to Navy Federal credit Union after 2 to 3 weeks I called them to confirm and that is how I found out they did not accept it. I finally found a competent employee at Navy Federal that wanted to help me and over rid everything on the account trying to fix it so that my interest rate went back down to 12 % and my monthly payment went back down to {$300.00}. This individual was able to get my interest rate back down but I am still paying {$350.00} a month and I was told that would go back to the original agreed upon amount and it has not. I have spoken with several supervisors since that conversation and they have all told me they need to look into it and they would get back to me and none of them have. This has been going on for well over a year now and they refuse to communicate with me on the matter when I call in they all just keep telling me they need to look into it and that they will get back to me and nobody does. I believe Navy Federal is in breach of contract for this auto loan and I would like to be released from contract with full ownership of my vehicle. I have done everything Navy Federal credit Union has asked me to do and they continue to drop the ball and overcharge me every month. I have been in continuous contact with Navy Federal credit Union to resolve this situation correctly and swiftly and they have dragged it out for over a year and continue to overcharge me and have done nothing about it at the supervisory level and I believe they are in breach of contract and that I have the right to be released from contract with XXXX obligations to them. If Navy Federal does not want to resolve this matter in my favor than I do believe I have full right to sue for damages.
Consumer complaint received 2024-05-15
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. (OR)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. (TN)

t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX  # XXXX These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer. 
t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer.
Consumer complaint received 2024-05-15
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: PNC Bank N.A. (AL)

I paid off my PNC Auto Loan Account XXXX XXXX on XX/XX/year>. On XX/XX/year> PNC shipped my title to XXXX XXXX XXXX. XXXX, Al, XXXX. I do not and have not lived at this address for XXXX XXXX. I did not request my title to be sent to this address. My home address is XXXX XXXX XXXX XXXX, XXXX XXXX, AL, XXXX. PNC sends all of my loan statements here. On my original loan documents my XXXX XXXX address was listed as my Home address and my mailing address. PNC has been mailing all information here for years. For some reason PNC sent my title to a phantom address that I did not ask for it to be sent to nor have they ever sent mail to this address on my behalf. Only my title at the end of the loan. I find this to be a severe privacy breach on behalf of the bank and security risk to myself.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX after the online login fail I called Bank of America to learn that my business account is under closure. Since I did not receive any paperwork in regards to the closure I didnt know what the procedure was with existing payments in and out of the account and what was going to happen to the outstanding balance on the account. An employee explained to me that any outstanding payments from the account would be processed and any payments scheduled to be transferred into my business account would also process until the account is completely closed. Since it is a business account there are a lot of ACH payments set up and I specifically asked about those payments coming in which an employee confirmed that would clear in the account. I contacted the companies that my business is working with and updated bank details but the cut off dates for some of them was too close and some payments had already been processed and a sum of over {$48000.00} went to BoA business account. 
After a few days when I called to follow up on the status of my account I was told that a cashier check for my account balance was sent out. To my request for an overnight post Bank of America replied that any checks for big amounts are always sent overnight. The following day nothing came in the mail, called the bank again and this time I was told that those funds are now sent for investigation. This is when the big SHOW began. Bank of America we need 3 business days, we need another 48 hours, we need 72 hours, we need 5 days and so on until now to investigate those funds. 
The risk department requested documentation confirming the source for those funds and I have provided all the invoices, all the payment receipts, all the contacts and so on. When I took the documentation to the branch for an employee to verify and fax them over to the headquarters I was told 48 hours and we should have a response either a cashier check would be issued or those funds sent back to the accounts where they came from. After 48 HOURS when I am positive I will get an answer I am told another 3-5 business days is needed to review the documents.

I have people to pay for the services they have provided, I have company employees waiting for payments and I can not do anything about it because Bank of America is sending my case from one department to another and I already want to think that they dont know where my money is! Have they spent my money and need time to play around with other peoples accounts? Have they put that money in circulations? I need this resolved ASAP. My company is on the edge of breaking and I have no obligation of chasing the money that I have worked for day and night. Bank of America has the first obligation to pay us, and FDIC shares that responsibility for our funds. 
Thank you for taking the time to refer to this matter.
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.
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. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (AR)

They locked my account for fraudulent use. However I never called to report fraudulent use. I never made any purchases outside of the United States. I have been calling since Saturday ( XX/XX/XXXX ) to resolve the issue. I was finally able to get someone on the phone yesterday ( Sunday XX/XX/XXXX ) I was informed I had to wait until tomorrow ( Monday XX/XX/XXXX ) to call. They gave me the phone number to call and what option to push when I made the phone call. After being hung up on after asking to speak with a XXXX. They proceeded to hang up on me because a XXXX was not available to take the phone call at that time. I proceeded to call back. Twice now I have been told that my account is under review and I will not have access to my funds for 24-48 hours upon them completing their review. Even though I have told them my account number, debit card number, and birth date they proceeded to tell me that the department that is reviewing my account does not accept phone calls. I have informed them that I want to be called by noon today with answers. This is absolutely unacceptable. I have two children I have to buy items for and they will not allow me to access my funds at all. They will not even allow me to transfer my funds. This does NOT feel legal to me at all. Citibank needs to be shut down. They are not acting like they care that they are withholding {$3200.00} away from someone who has worked extremely hard for the money they have.
Consumer complaint received 2024-06-01
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: EQUIFAX, INC. (CA)

I lodged a XXXX against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OK)

Okay. So I have a chime account. And I requested that money be transferred from XXXX account to another and it had insufficient funds to transfer the whole amount. So they just shut me down without saying anything. And they're refusing to give me my money. I keep sending them the same stuff over and over and over and over and over. They have put me through so much in the last XXXX weeks that I'm just beside myself. I gave up. It's been XXXX more weeks now. And I just want my money. That's in my account. They're telling me my account. Is not close but they won't. They're refusing to close it and send me my money. It's just in limbo and I need to pay bills, and they're preventing me from doing that and I'm struggling very hard.
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. (OH)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I would like to dispute off the following negative accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX
Consumer complaint received 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

nationstar is trying to steal my home they have absolutely no standing to do so they dont send me statements i have a right as a consumer to know what my balance is i requested payment coupons more tha n ten times i found out that not one mortgage payment could reduce the principal they created a false balance sheet to look like my payments were reduced actually if i paid that loan off in entirety i could never get a clear title to the property or no person on this earth could get one also they committed fraud upon the court both state and federal federal because they forced me into bankcruptsy when they claimed they owned the mortgage and they never did i have about 80  pages of supporting documents to support what i have been saying this has taken a big toll on my life i had a rare  XXXX   XXXX  last  XXXX  and just went to my  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  week she wantedt know why numbers are not good she put me on several medicines to take i just dont care to take them anymore thanks for listening somebody has to stop this criminal bussiness not with fines in the millions thats nothing to them they have already stole that from their customers i mean billions and bring felony charges against their ceo   XXXX   XXXX
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XX/XX/XXXX i tried paying the XXXX XXXX XXXX XXXX   {$300.00} via her website i tried 3 times but kept getting an error message, i tried calling bank of america, the toll free number on the card seemed to be closed, i called the following day and spoke with an agent and was told this sometimes happens, they could see the rejected payment attempts, i was told i would receive another card in the mail, in XX/XX/XXXX i tried using the card, but was unsuccessful, i called to check via the automated system and was told the balance was {$0.00}, i called the bank america service # and was told there was an error and would be sent a new card, i waited several weeks and did not receive a new card so i callled bank of america again, i was told they wont be sending a card, they never said they were going to, they also lied and said there was no record of me ever trying to pay the XXXX XXXXXXXX XXXX XXXX, the card has XXXX XXXX on the front XXXX XXXX XXXX XXXX exp XX/XX/XXXX ccv XXXX, they are liars and cheats and are trying to steal my money