davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (IL)

Today 's Date : XX/XX/2023 I talked to an agent of Equifax related to dispute : XXXX submitted on XX/XX/2023 with documents.

Best summarized version of call : " The dispute was closed because documents uploaded were missing FTC report. '' Dispute Results : '' If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, we contacted the company reporting the information to Equifax for them to investigate your dispute. '' My Complaint : 1 ] Incident reported on my credit report on XX/XX/2023, I filled first dispute on XX/XX/2023 on Equifax website and then another dispute for same issue on XX/XX/2023 and still my issue is as is on the first date. I CAN '' T CONTROL MY COOL. If I create a dispute on Equifax portal, they should approach me via email if something is missing or at least write it down CLEARLY in results that hard inquiry you tried to remove was not removed because of this reason.

2a ] Equifax decided to close the dispute with an ambigious and generic statement mentioned above. Such ambigious statements does not help to understand what exactly happened. Did they made changes? Did they communicated to company XXXX XXXX Bank in our case )? WHAT DID THEY DOOOOO? 
3 ] If dispute results does not tell what document is missing, how the XXXX would I ever know that Equifax wanted an additional document in order to remove unauthorized inquiry? How long do I need to track this item on my plate? It is a simple thing and Equifax is sitting idle on it until I approach them via robo picked up repeating instructions phone calls. 
4 ] No expedited service where person can provide " missing '' documents on the same dispute on their portal, or fax or email.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I disputed a fraud charge on my account with Chime and told them someone hacked my account on XXXX XXXX to send themselves {$400.00}. I sent in THREE DISPUTES THREEE!!! These people didnt investigate the case and they just denied the claim without sending in a reason and now its been a whole month and I didnt even receive a provisional credit. When I spoke to the 3rd representative about it they said they misclassified my claim and THATS WHY I WAS DENIED???? How is it my fault that you guys DIDN'T TAKE THE steps to provide me the proper justice happening to account. After my first claim was denied I ask them to send me a reason for the denial. THEY STILL HAVE NOT SENT ME THE REASON and its been 30 days. I cant even file a police report and this case has now been taken to the FBI because the scammer was a huge scammer. They need to reopen my case immediately or I will be pursuing LEGAL ACTION against Chime. They have violated my rights and Im not going to let them.
Consumer complaint received 2018-02-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

2016 was a hard year. My son, proudly serving his country in the XXXX, went through a painful divorce while stationed in Hawaii. Helping with the legal fees of a long, ugly custody battle as well as the enormous expense of flying to and from there and my home took every cent I had. Things took an even worse turn, when S

ocial Services seized his XXXX XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX. At this point, I did what any mother and grandmother would do, and dropped everything and got on a plane. With my help, we regained custody. But at the end of this nightmare, my savings were gone, and Id worked one month out of the entire year. At the start I was working two jobs. Our family banded together to help care for the children, and even my ex-husband helped as best he could to keep me afloat. I had gotten a payment or two behind on my mortgage and we paid what was due. It is hard to bounce back all at once. Time passed, and as we all resettled back into our lives, I found myself somehow behind by three months. I thought I could pay it back like last time, but the loan had been accelerated. I pleaded with the bank to work with me. Mr. Cooper would be pleasant on the phone, but nothing would be resolved. The fees were still mounting. Someone in only five months, I owed a years worth of mortgage payments! Now I am back in XXXX XXXX, and back to working full-time.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was informed from XXXX that I have been in a data breach and I have disputed items that keep popping back on my credit report my password and email have been found on the dark web. The breach was with XXXX Transunion.com and XXXXXXXX my credit report needs to have the items that are reported identity theft to ever show on my credit report again I have 2 police reports
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I decided to contact the furnisher and the credit reporting agency in regard to my credit report. After I received no resolution, I filed a CFPB complaint # XXXX and after no resolution I filed complaint # XXXX. The credit reporting agency is being monetarily compensated and thus refuses to provide me with validation of the debt of the US DEPT OF EDUXXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and the process used in such validation.
Consumer complaint received 2023-08-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MO)

XX/XX/2023. Ive had many loans at tower loan in XXXX mo. I fell upon hard times unfortunately and can not pay this one and believe me i feel horrible.i called to let them know my decision to file bankruptcy i guess the gal i talked to had me on speaker.Immediatly the manager got on the phone and let me have it. I couldn't get a word in he kept yelling at me I couldn't give him the attorney name and number that will be handling the bankruptcy nothing he wouldn't listen to me and continued ranting and making me feel like XXXX. I finally hung up on him I was in tears So today XXXX he calls my cell while I'm at work I didn't answer then 1 minute later calls the work phone. I'm pretty sure this harassment and is not legal.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PR)

Over {$130000.00} is locked since XXXX, for months soon to be half a year The company applied no effort to unlock funds and allow transfer outside citibank Tens of hours spent on the phone with Citi agents, all calls get dropped and no assistance Will be proceeding with legal lawsuit, no support from the bank
Consumer complaint received 2018-01-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : Nationstar Mortgage XXXX ( XXXX ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$4400.00}
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

I lost all of my income due to Covid, and have struggled to this day to regain that income. Shellpoint Mortage is the servicer, XXXX XXXX XXXX is the investor. I was asked to submit a hardship circumstance, in addition to Covid, the XXXX XXXX floods caused serious damage to my home. I also submitted a detailed business plan that would benefit the XXXX to have a west coast presence for helping historic single family homeowners from losing their homes, due to my relationship with the business and political community in XXXX XXXX. I was requesting a 90 day hold on a foreclosure date, so that I could attend to the water damage. When that was declined, I reached out to the owner/holder of the loan. The Bank said all decisions concerning my home are in the hands of the Servicer. The Servicer said all decisions on their part are the made by the Bank. Further when I sought additional information, my sale date of XX/XX/2024 was advanced to XX/XX/2024. This does not give me time for an investor to assist me, nor complete my home repairs. There is no equity in my home until I get private funding, am back to full time employment, and complete home repairs.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (DC)

As many did, I made a direct property tax payment to my local jurisdiction ( DC ). I sent a QWR to Nationstar/Mr. Cooper indicating the size of the payment ( {$6100.00} ) and with a confirmation from DC ( attached to this complaint ). I requested that they perform an escrow analysis and revise the amount due to comply with RESPA. They did perform an escrow analysis but failed to account for this {$6100.00} payment. Therefore the amount they propose to collect will substantially exceed the maximum they are allowed to hold in reserve.
Consumer complaint received 2024-07-08
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CT)

I have continued to get the run around from Chase Bank. I deposited a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank Check for $ XXXX into my checking account on XX/XX/24. This was a refund from an excess in XXXX Chase refuses to release the funds. They have told me multiple excuses : the check has not cleared from XXXX, XXXX confirmed the funds were cleared but wont confirm the date of clearance, we can not confirm there are no stops/holds on the check, etc. the excuses seem to pile. I had the Chase associate 3-way call XXXX so that I could hear the conversation. The XXXX associated CONFIRMED the check was valid and that the funds had been released and cleared from their end. Chase wants to know the date it cleared, XXXX cant provide that for security purposes, therefore they wont release funds to me. This is absurd, I go into the Chase branch myself, an associate at the branch requested the funds be released because he says from his end we have the funds, theyve been released to us. The associate calls me and says his request was denied. He tells me he called the back office himself, and the back office they told him that they can not confirm the funds had cleared. This is a complete run around!!! I heard XXXX  with my own 2 ears confirm the funds had been released and cleared. Why does this continue to be an issue!? Its MY money!! I have deposited this check into a my previous XXXX account for years (!!! ) with no issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PR)

The following XXXX XXXX XXXX account, with account Number XXXX has been disputed by me for the past few months, this account does not meat FCRA criteria and this company simple intends to leave it reported in my report despite my claims either because that they do not know what they are doing or because they want to create harm to me. 

First This account was closed on XX/XX/year>2022 however, it shows delinquent activity after closure.XXXX  XXXX procedures hace allowed this since XX/XX/year>2022 and this has been highly detrimental to me. 

Second Delete this account for violation because notice of dispute was not entered as required within the required period of 30 days from the date my first dispute was received, persuant to section 623 of the FCRA Third How can this account be closed and yet it says I am still paying XXXX in the montly payment section? Once an account is closed, there should be no montly payment Unless the status says now paying it was canceled.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 that states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BlueChip Financial (GA)

This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number XXXX. I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I was checking on my credit report. I noticed some inquiries that was not authorized. I talk to credit bureau no ones remove this inquiries from My credit report. I need u to check and see wats goin on. 

Experian Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (FL)

I signed a Deed-in-lue agreement with m & t bank in XX/XX/year>. I send the deed and keys to the bank. Now the bank said they cancelled the DIL and wants me to begin the process all over. They want me to try to sale the house again, go through short sale again, before DIL again. It doesn't make sense. I don't want to retain the property after I have already signed a DIL. They want to continue reporting late payments on my credit report. Lawyer are difficult to get and expensive. Please, help me stop this nightmare.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/year> The bank reached out to me due to a suspicious XXXX XXXX transfer to my account. I spoke with a representative and provided clarifying all information. They wanted to know if I knew the person and if they were either a family or close friend. I said yes. They stated the person who sent me the money the cell phone number did not belong to them in their research. Even after I confirmed I knew the person. They said the only way the transfer could be completed was if I either 1.Provided a phone number with my friends name or 2. Came into a physical branch with my friend with both of our IDs to confirm as well. Once the conversation continued I stated I was frustrated and annoyed how the conversation was going. The representative was being condescending up until this point as I was looking for more information on the process. I stated I was frustrated again with Capital One and would look into closing my account with them since the representative was being rude. The representative told me I just sent a 6 digit code to your phone, please read it back to me. I read the code back not knowing what it was for and then she stated my account is now closed. Now after speaking with the representative for 45minutes and confirming this XXXX transfer as well as trying to find a resolution to this issue. My account has now been shut after giving me multiple options to solve this. Right after stating I was interested in closing my account with them they closed my account on me. Giving me reason to believe they acted out of bad faith. I provided the cell phone number on a call after this to verify my friends info and my situation was already over from their standpoint. I would never want to bank with Capital One again after this. Having multiple credit cards and banking for many years. I will always gear others away from working with them.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (TX)

Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. 
All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission.

The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately.

12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.