davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I started working with XXXX XXXX XXXX for a loan modification in XXXX. They approved my modification in XXXX. I made XXXX payment and then was one day late on the XXXX payment so they cancelled my modification. So, I tried again for another modification and they continued to request information over and over again. XXXX XXXX XXXX kept saying to just be patient. You do n't need to make a payment. We are going to help you. And then they eventually in XXXX of XXXX transferred my mortgage to Nationstar. So, I requested a loan modification from Nationstar. In XXXX of this year they started my loan modification processing. They also said they wanted to help me. I sent them information and never heard from them. Finally in XXXX of this year they requested more financial information about my business and insisted that my attorney send them the information. So, I had my attorney send them a XXXX page fax on XXXX/XXXX/XXXX and did not hear from them again until XXXX at which time they requested the contact information for my attorney. I had my attorney fax them that information on XXXX/XXXX/XXXX and have not heard from them again. On XXXX XXXX, XXXX I received a letter from an attorney saying my house was scheduled for auction XXXX/XXXX/XXXX. So, I immediately contacted a Realtor to list my home for short sale to try and avoid foreclosure but, Nationstar now says it is to close to the foreclosure date and they will not consider a short sale. Please help by having them postpone the foreclosure sale and at least allow me time to short sale my home.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

Im currently assigned in XXXX XXXX. My debit card was expired so I asked citi to send me a replacement to XXXX. The replacement arrived. When I tried to use the debit card it was rejected. Later I realized that my account was blocked. Regarding citi : a block was placed on my account on XX/XX/year>, due to a potential fraudulent transactionand a letter was sent to you on XX/XX/year>, from our Fraud Prevention Department requesting me to contact them. 

I called them to remove the freeze many times it but they told me they need a reference number included on a letter they sent to my address on file. Im currently living in XXXX so I cant access that letter by any means as Im not living in that address anymore. They dont give me another option to unlock my account. 

I opened a case with the Citi Card Executive Response team : Citi Reference Number : XXXX. Iv been in contact with them via email, they tell me to call fraud department, and they tell me I need the reference jumber included in the letter to unlock my account, which I cant access.
Consumer complaint received 2024-08-27
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: ProCollect, Inc. (FL)

PROCOLLECT , INC failed to provide debt validation and verification letter within the allocated time frame. This complaint is related to complaint ID XXXX. I have requested written evidence of debt and they have failed to comply. Under the FDCPA this is a violation and must be investigated. Remove and delete any reporting to any credit reporting agencies immediately.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Several dispute requests have been sent to XXXX, Transunion, and XXXX with no responses at all. The Credit Bureaus are not processing these disputes at all. Every time, I send out dispute requests they are not investigating them at all. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

My disputes are attached to my complaint, and I want all of them disputed with XXXX, XXXX and Transunion and I also want to know the method of validation. 

Thank You,
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. The consumer reporting agencies should report all information the complete accuracy. I've attached a copy of the report to this complaint showing the dates ( XX/XX/year> ) ( XX/XX/year> ) ( XX/XX/year> ) I need the late payments removed from my Transunion credit report. My account is paid up to date so I would like for my credit profile to be updated to show no late payments. Thanks for your understanding & I hope you have a blessed day.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I am invoking my rights under the FCRA, FDCPA, and relevant sections of the IRC, and I request that the CFPB mandate this reinvestigation to ensure full compliance with the law. Failure to address these ongoing issues will result in further escalation to other regulatory bodies, including the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ), to ensure that my rights are protected. I am submitting this third complaint against LVNV Funding LLC due to the ongoing and unresolved issues related to their handling of a debt that they claim I owe. Despite filing two previous complaints, LVNV Funding LLC has persistently failed to provide the necessary documentation to validate their claim, such as the Assignment Transfer or a valid contractual agreement with the alleged original creditor, Verve. This failure to comply with legal requirements raises serious concerns about the legitimacy of their actions. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough reinvestigation of any disputed information on my credit report. Given that LVNV Funding LLC has not met their burden of proof by providing the required documentation, this account should not continue to be reported on my credit file without proper validation. Their continued reporting of this debt without adequate evidence violates the FCRA 's requirement for accuracy and completeness in credit reporting. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), LVNV Funding LLC is legally obligated to provide verification of the debt upon request. Their repeated failure to furnish this verification, despite my persistent requests, constitutes a clear violation of federal law. This ongoing non-compliance necessitates immediate and decisive action. Additionally, I believe there are potential violations of the Internal Revenue Code ( IRC ), specifically IRC 6050P, which mandates the issuance of a 1099-C form if the debt has been forgiven or settled. Any inconsistencies in the reporting of debt ownership or false statements regarding the value or transfer of the debt could also constitute a violation of IRC 7206. These are serious concerns that may warrant an IRS investigation into LVNV Funding LLCs tax reporting practices. Given the persistence of these violations and LVNV Funding LLCs failure to comply with federal law, I am demanding a thorough and immediate reinvestigation of this account. If LVNV Funding LLC can not provide the legally required documentation to validate their claim, this account must be removed from my credit report without delay. Thank you for your attention to this urgent matter.
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. (CT)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The vehicle was repossessed. The following report is not reporting as a repossession and has no repossession date. This reporting is inaccurate. The inaccuracies are highly injurious to my credit score. You failed to investigate this account properly after I asked you to do it THREE TIMES and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (NY)

Open a secured card in XXXX {$1000.00} reported fraudulent use of card to the bank also made an incident report with the first precinct in XXXX called Wells Fargo fraudulent department they said they were going to do a full investigation so they are moving forward monitoring my credit every year since XXXX its a present I have been tormented by Wells Fargo fraudulent department for not doing their job properly then the XXXX made another complain they sent me a check in XX/XX/XXXX of XXXX for {$150.00}. XXXX Im looking for my XXXX dollars back I even thought about suing for mental stress and ruining my credit.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (NY)

I called BMW financial services to work out a plan to avoid repossession of my vehicle. They indicated to me that I owe almost XXXX XXXX dollars more than the monthly payments " missed ''. I indicated to them the amount that I am able to pay today and wanted to set up a payment for later this week. The very rude customer service associate told me there is nothing she can do and that I owe XXXX. However, my most recent email about a " bill '' indicated that I " owe '' {$4400.00}. There are many discrepancies in terms of what is " owed '' and what is fabricated. She proceeded to tell me that this includes late payment fees and Fees from a previous repossession several years ago. I told her that I paid everything when the vehicle was previously repossessed because they would not release it to me with out making a more than XXXX XXXX dollar payment. I asked her why they are charging me again and she indicated that is what I have to pay. She indicated that I need to pay XXXX immediately but that doesn't ' stop me from repossession. BMW are scammers, they are consistently charging erroneous fees and refuse to make payment plans with their customers. They have very deceptive practices, which need to be stopped. Their customer service agents are rude and not helpful. I would like to come to a peaceful resolution but it is clear that BMW does not want that.
Consumer complaint received 2024-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC (MD)

We experienced a loss on our property and filed a claim with our insurance. The insurance company handled everything expeditiously and paid our claim for a new roof as well as interior damages. 

Upon receipt of the claim check, we were required to submit to our mortgage company for endorsement. We have spent weeks, jumping through hoops, and still do not have the funds available to begin repairs. 

This process is very detrimental to families who need their home repaired and these companies have no interest in helping in a reasonable timeframe.
Consumer complaint received 2024-08-22
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC (AZ)

Started XX/XX/2024 with National Debt Relief. Was given false information since the first phone call. My credit and life has gone downhill since I started this program. Was not told I would be sent to collections. I called today and they are reviewing my phone calls to confirm the misinformation. An absolute scam.
Consumer complaint received 2024-07-15
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CO)

I made an online purchase on XX/XX/year> at XXXX MST with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM using my Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX Apple Card. 

On XX/XX/year> at XXXX XXXX  MST I received a push notification asking me if I just spent {$70.00} at XXXX XXXX XXXX XXXX using my Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card. I of course responded " no ''. 

About XXXX XXXX  MST I reached out to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card by phone. They advised me that they had locked my account. I asked the representative if the purchased that I had made the previous day to XXXX XXXX XXXX XXXX went through. They said " no '' and advised me that the purchase to XXXX XXXX XXXX XXXX was the transaction they contacted me about through the push notification. 

The problem is that the push notification identified the transaction as being a restaurant, not a jewelry supply. I reached out to the merchant to pay for my purchase with a different card ( since the Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card ) had been locked. The merchant explained that this same thing happens to their customers all the time, and their customers end up just like me, with their Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card locked and XXXX. The merchant added that they've reached out to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card many times and requested for them to change the coding on purchases at their business to XXXX XXXX Jewelry Supply from XXXX XXXX XXXX XXXX and Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card advised them that they won't fix the problem and change the coding until more customers complain. Wonderful! 

The cs reps repeatedly told me that my transaction was not coded as food and drinks at a XXXX restaurant. My attached screen shot says otherwise. 

I am a responsible card holder. I pay my bill in full, on-time every month and this is how Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX Apple Card treats cardholders in return. 

I wasted over 3.5 hours making repeated calls to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card until I reached the cs representative with was willing to and had the authority to help me. I lost half a day of work because of their disregard. 

I used to recommend Apple Card to everyone. Praising the security of ApplePay and singing the praises of their cash back and Apple Cash. No longer. Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card has made my life an absolute nightmare of endless frustration over the last month. The perks no longer hold value to have to endure the abuse and misinformation that Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card subjects customers to.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year> and XX/XX/year>, a perpetrator used a counterfeit of my Wells Fargo debit card to spend {$2200.00}. I canceled that debit card and changed my checking account. Again on XX/XX/year> through XX/XX/year>, a perpetrator used a counterfeit of my new debit card to spend {$2100.00}. Patterns suggest it was the same perpetrator both times : both times, they withdrew {$1000.00} from an ATM, spent hundreds of dollars at XXXX, purchased gas, and ate at XXXX. The second time they also wrote a check for {$250.00} to " XXXX XXXX '', showing they had stolen my checks. All of this happened in XXXX, XXXX, where I permanently live, but at the time I was spending the summer in XXXX. 

I filed fraud claims with Wells Fargo for each instance ; they only covered the {$250.00} check. I am left on the hook for more than {$4000.00} in fraudulent spending. I have since filed a police report with the XXXX Police Department.
Consumer complaint received 2024-07-31
Product: Credit reporting 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)

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX  ACCOUNT NAME : XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESNT HAVE EXACT INFORMATION AND STILL APPEARS IN MY CONSUMER REPORT. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX keeps reporting on my credit report that this was included in my bankruptcy and it was NOT! Mi have attached proof. have disputed this for years & they are refusing to change the report. It shows and always have shown that I paid on time ; never late ; positive ratings on my credit report. Now its a red flag on my credit report stating they are saying it was included and discharged through Bankruptcy so now my Credit has a flag and its lowered my credit. This is all incorrect information and I need them to correct it ASAP because its impacting my ability to purchase a home!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX ( XXXX ) has provided documentation that they were retracting negative information. They also provided a copy of the electronic submission to Transunion requesting the deletion of negative information. Transunion previously indicated 60 days to take action, but this is unacceptable due to the undue hardship this is causing. I'm seeking to have this corrected immediately. I have been negatively impacted for nearly a year.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WI)

Ive been communicating with Chase since XX/XX/XXXX when the new offer is XXXX points for XXXX spend USD. The old offer being XXXX points for XXXX USD spend. The card was opened XX/XX/XXXX. On XX/XX/XXXX the rep said they noted on my account XXXX points for XXXX USD spend and I spend an additional XXXX USD to meet the sign up offer. Its deceptive practice to deny the new offer when XXXX XXXX XXXX contacted them over XXXX  times as described below, including sending them a picture of me holding up the physical offer of XXXX points for XXXX spend. I am willing to accept the different of XXXX chase ultimate reward points if the offer can not be XXXX hotel points. 

XX/XX/XXXX ( Not XX/XX/XXXX as confirmed by XXXX XXXX today XX/XX/XXXX ) I spoke to the representative who stated they noted on my account that I will be able to spend {$4000.00} and received XXXX points the current going offer XX/XX/XXXX l received the credit card. I contacted customer service before I even received the credit card received card XX/XX/XXXX XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Spoke to a Customer service Rep who does not understand or was unable to see I sent a secure message with the physical mail in letter, the website promotion proof, and email showing proof of the offer. 

XX/XX/XXXX, XXXX contacted them only to be told the account couldnt receive nights. When the offer is for points not nights Attachments sent XX/XX/2024 below. 
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