davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was given a homeloan by XXXX XXXX MORTGAGE XXXX of {$80000.00} and I was XXXX and receiving SOCIAL SECURITY {$600.00} /month.This loan was transferred to several banks that i can not keep up and did not know who really owns the note.This loan amounted to XXXX the amount of the original loan that made me difficult to make payments.I was advised by XXXX XXXX XXXX XXXX stop payment and i will qualify for HOME MODIFICATION, I follow the advice untill my arrears become so high and I was forclose and sold my property on auction XXXX.Nobody offered to buy my property and I was told that it belong to XXXX XXXX XXXX AS SUCCESSOR TRUSTEE TO XXXX XXXX XXXX BANK , XXXX , AS FOR THE HOLDERS OF XXXX XXXX TRUST XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX XXXX filed Bankruptcy Chapter XXXX hoping these bank will allow me to modify the loan, I was not given a chance to appear on XXXX hearing and the JUDGE XXXX XXXX UNITED STATES BANKRUPTCY JUDGE OF XXXX XXXX OF CALIFORNIA granted TRUSTEE MOTION FOR RELIEF FROM AUTOMATIC STAY .The XXXX hearing was held U.S. BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA., My rights as citizen and homeowner was violated.I was never given a chance to defend my self and that I have the physical possession of TRUST DEED, TRUTH AND LENDING ACT, AND ORIGINAL NOTE OR SECURITY INSTRUMENT in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NC)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

At the beginning of XXXX I received a letter stating that there was a bill that was owed for an address in XXXX Texas under the name of XXXX XXXX from a company that XXXX XXXX took over. I spoke with the company and explain to them that I have not been XXXX XXXX since XXXX and I have never resided at that address that they are claiming I received services at. I filed a police report as I was instructed to do and I provided it to them. That police report number is XXXX. As of XX/XX/XXXX, they proceeded to send the account to collections and that company is Mercantile Adjustment Bureau and included my address that I have lived at since XX/XX/XXXX. I called a second time to let them know that this was not me when they sent me another letter saying that they could not verify my dispute. I have been dealing with this for over a year and it still isnt resolved. It is now reporting on my credit report and they have the wrong person.
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CULLEN/FROST BANKERS, INC. (TX)

Unauthorized transactions were made on my Frost Bank account XX/XX/ totalling {$3800.00} thru XXXX. After XXXX XXXX notified me of suspicious activity in my account with their bank I immediately took actions that day to call Frost and review my account there as well to see if any unauthorized transactions had happened in that bank as well and there were. I called and emailed them that all the transactions made on this day ( XX/XX/ ) were unauthorized. Frost temporarily credited my account. After the claims case the bank decided not to return the fraudulant unauhorized transactions that were made. I would expect that Frost would return my money being that the bank is FDIC ensured. Further Under Regulation E, I would expect them to return my money, being that the charges were unauthorized and I let them know that within hours of the transactions being made. Further, I filed a police report with the XXXX XXXX XXXX XXXX 's REPORT NUMBER : XXXX.
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, FL that I have had nothing but problems with and was charged {$5000.00} more dollars then the car was stated to be for {$18000.00} in XX/XX/XXXX and my first payment of {$480.00} was not due for 45 days and scheduled XX/XX/XXXX. In XXXX I payed {$450.00} on XX/XX/XXXX and {$960.00} on XX/XX/XXXX for a total of {$1400.00} for 3 months of monthly payments upfront in advance and made sure this was stated properly to the cust service rep I spoke with. On XX/XX/XXXX I resumed my payments and paid {$500.00} which was my monthly payment and to cover the previous 3 months interest. About 1 month ago I went to their app t see what my balance was and realized that the past 5 monthly payments of {$480.00} that I made had not been applied towards the balance and my loan amount and the loan amount was not decreasing at all. I called the company, admittedly very upset trying to get an explanation as to why I had paid {$2400.00} and not one single penny came off of my loan balance. I was told that I needed to make my monthly payments every month. I told the rep that I had, that I had even paid in advance for 3 months and the rep who accepted those payments had clearly understood that. Then the explanation I was provided didnt make even the slightest bit of sense to me and we were getting nowhere. So I asked that he please send me this information explaining the math in writing because I apparently wasnt smart enough to get it but maybe if I saw it physically with my eyes I might then understand. I have yet to receive the requested information and the only information resembling it that I received last month actually stated I owe more then the inaccurate amount that I was given by the rep a few weeks ago. My payment is now due again and since my payments have not only not been applied to but also increased my loan balance even though I have not missed a single month I am now here filing this complaint.
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FOR THE PAST FEW YEARS NOW I HAVE BEEN NOTICING FRAUDLENT ACCOUNTS AND INQUIRES ON MY CREDIT. WHEN REPORTING THE FRAUDLENT ACCOUNTS ON FTC WEBSITE IT STATES THAT PER 605B THE ACCOUNTS AND INQUIRES NEED TO BE BLOCKED.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NM)

I have a {$100000.00} mortgage with Nationstar Mortgage for a condo that I purchased in XXXX. In XXXX XXXX, Nationstar added a force placed insurance policy to my account in the sum of over {$20000.00} raising my payment from {$640.00} per month to {$3000.00} per month. I am fully insured, and there was no reason for Nationstar to add this insurance policy to my account, and absolutely no reason to add such an expensive policy - I could insure the entire subdivision for {$20000.00} per year. I have contacted Nationstar by telephone on three separate days, and have spoken to numerous customer service representatives, all of whom have failed to assist me, and all of whom have refused to transfer my call to a supervisor. I have faxed and emailed the XXXX pages from my personal homeowners insurance policy, and my HOA 's insurance policy to provide proof of insurance. Still, I can not get Nationstar to change the insurance information on my account. Nationstar has not applied the funds I sent for my XXXX payment, and has those funds in suspense because the records state that I did not make a full payment of {$3000.00}, but made my regular payment of {$640.00}. I am now facing having a negative report sent to the credit bureaus as my account is past due. I do not know how to get this issue resolved.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion Consumer Relations XXXX XXXX XXXX XXXX PA XXXX Dear sir, Upon the perusal of the TransUnion Personal Credit Report , I would like to dispute and ask the investigation on the following : On the pages from XXXX to XXXX, on the section Promotional Inquiries, following I do not receive any promotional offers from these credit card companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even though I have the account with XXXXXXXX XXXX XXXX, we live in the rented place, and I have never seen the home lending from XXXX, as far as I remember. 
The last one, XXXX XXXX XXXX  as far as I remember, I might have received the offer, such as auto insurance ; however, we have the insurance with another company and considered as a garbage. 
I wonder why there was no soft inquiries in XXXX Credit Report from : XXXX  so-called XXXX office ( XXXX ) totaled XXXX times. 
XXXX XXXX totaled 5 times. 
XXXX XXXX XXXXXXXX once XXXX XXXX once XXXX XXXX totaled 4 times. 
XXXX XXXX XXXX once XXXX XXXX XXXX once XXXXXXXX XXXX  once. 
XXXX XXXX XXXX XXXXXXXX once XXXX XXXX XXXX times As I am not familiar since I am a XXXX nationality, I request the concise and clear explanation why these discrepancies exist between XXXX and TransUnion. 

Sincerely,
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

You are reporting the wrong balance for account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. The original creditor provided verification via XXXX, and I have attached their correspondence to this complaint. You are also reporting the incorrect payment history for this account. How can XXXX bureau report a status of 'OK ' while another report it as 'CO '. This is a violation, and this account is to be removed from my credit report immediately. I do not owe this collection anything, and the balance they are reporting does not match that of the original creditor.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please be advised that as of XX/XX/year> as listed on my most recently reviewed my credit reports and noticed there are several incorrect items on there check below for account info. 

XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given XXXX XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2024-06-01
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (UT)

Dear CFPB, I am writing to file a complaint against MyPrepaidCenter.com and Blackhawk Network Holdings , Inc . 

Upon receiving two prepaid cards issued by XXXX XXXX, XXXX card worked properly while the other was restricted to online merchants only. Despite promises from MyPrepaidCenter.com representatives to reissue the restricted card to match the functionality of the other card, this never occurred. 

I am currently residing in a XXXX XXXX XXXXXXXX and my restricted card has now expired with funds still remaining. Attempts to resolve this issue via MyPrepaidCenter.coms phone, email, and self-service options have been unsuccessful. 

I urgently need access to these funds. If this issue is not resolved within ten business days, I will pursue legal action in small claims court. 

Thank you for your assistance. 

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

I sent a letter in XX/XX/XXXXXXXX  to Equifax, XXXX, and XXXX asking them to remove information from my Consumer Report that violates my privacy. The companies responded with a reply that was totally unrelated to my complaint. The response was irrelevant and failed to address the nature of my complaint. 

They are violating the law by refusing to protect my privacy AND further ignoring my request for specific removal pursuant to the following : 1. The Privacy Act of XXXX 2. 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDITOR ) making the report is NOT INCLUDED on my Consumer Report. Utilization is an experience regarding the use of the line of credit that was extended between the consumer and the creditor. CONGRESS clearly states that the reporting of Transactions or Experiences are not included on the consumer reports. 

3. They did not inform me that I could Opt Out AND they do not have my permission, in writing, pursuant to 12 CFR Part 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 

NOTE : I hereby rescind any authorization, written, unwritten, expressed, or implied to report utilization on the accounts listed in this complaint, now and forever in perpetuity. The accounts remain on my consumer report but my utilization ( customer experience ) is not to be shared and should reflect 0 %.
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

I am using a XXXX reward credit card from Wells Fargo. And I have made a payment using XXXX XXXX  account. Due to the checking account issue ( XXXX XXXX XXXX ), the latest payment was reverted. I made the payment before the due date and was unaware of the checking account issues. 

However, Wells Fargo closed my account. The reason is suspicious payment activity. I tried to reach Wells Fargo but they can not solve it and want to transfer the call to the XXXX team.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I sent a letter off on XX/XX/2023 asking the credit bureaus to remove personal information that I did not want on my report. Here are my tracking numbers XXXX, XXXX, XXXX according to15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Also15 U.S. Code 6802 - Obligations with respect to disclosures of personal information states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2024-06-03
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. (TX)

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 2023-12-03
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. (CT)

15 U.S.C. 1681 Section 602 A - I have rights 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 ) states : No consumer reporting agency may make any consuming 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing this formal grievance and a request for immediate action on your part. You are improperly reporting to XXXX, consequently harming my credit. Concerningthe provisions of the FCRA, also known as the Fair Credit Reporting Act, you are acting dishonorably. Acts of non-observance can result in fines and damages. I am only offering you one last hope for the suitability of this alleged credit situation. I had previously sent you a letter informing you that you were inappropriately reporting. Furthermore, in that request, I did assert your requirement ( s ) to properly modify my file. Because of your now-clearly ongoing misreporting ( s ), albeit all or any unfair and/or unethically non-compliantly reported insinuates that my forwarded notice wasdisappointingly belittled and or denigrated.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my disappointment regarding the lack of response to the disputes I submitted to XXXX, XXXX, and XXXX. I identified inaccuracies in my credit report, listed the accounts, and detailed the violations under the Fair Credit Reporting Act. 

It has been over 30 days, and I have not received any response. Attached are copies of all letters sent. 

Please investigate and correct these inaccuracies promptly.