davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-24
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (OR)

I bought my condo in 2007 at the height of the market. At the time, the builder was offering a special through their preferred lender XXXX Loans. I believe that I was a victim of fraudulent and deceptive practices because at the time I was advised to take out a first and second loan ( XXXX with a 10 % down down payment ). XXXX was onsite at the builder and they disclosed the terms of the first mortgage which were very attractive at the time XXXX 5.5 % XXXX but I was told that their " printer was broken '' and they did not disclose the terms of the second loan, which were very unfair ( 9 % interest with a XXXX balloon ) and well above market stadards at the time. I belive that XXXX was predatory and intentionally withheld the information about the second mortgage. 

Since then, my XXXX loan was acquired by XXXX XXXX XXXX and then Nationstar. I have called many times and spent countless hours trying to resolve this loan. They blame XXXX and do not accept my assertion that by acquiring my loan they also acquired responsibility for XXXX 's fraudulent, unfair, and deceptive tactics. They refuse to help me unless I stop making payments and/or until the 15-year balloon is up and I ca n't pay off the loan. 

I have also tried to refinance the second loan, but the condo is still ( after almost 10 years XXXX too underwater. I have struggled and managed to maintain the loan, but with a 9 % interest rate I can not pay down the loan fast enough to make a dent in the principle and will be in major trouble when the balance is due at the 15-year mark. I do not anticipate having enough equity given the slow recovery of these condos which were all built in 2007 and have mostly been acquired at a much lower price than I through through foreclosures and short sales. Also, the builder and HOA are in litigation that inhibits sales and have been for years.
Consumer complaint received 2023-11-22
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. (FL)

My Information was sold and brought illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the Equifax Data Breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports thats effecting my credit score and abilities to utilize my right to credit.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Consumer complaint received 2024-01-30
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: TRUIST FINANCIAL CORPORATION (TX)

I am writing to express my extreme dissatisfaction and frustration regarding the discrepancies I recently discovered in my credit report through a thorough investigation. The unverifiable, invalidated, inaccurate, and questionable items have caused severe distress and emotional hardship. 

In accordance with the Fair Credit Reporting Act, it is imperative that my credit report reflects XXXX XXXX  accuracy. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation by not reporting information that is 100 % accurate. 

I have attached copies of all correspondence previously sent to your agency, highlighting these violations. It is crucial that you take immediate action to rectify these inaccuracies and ensure my credit report adheres to the standards mandated by the law. 

Failure to address these issues promptly will compel me to explore further legal actions to protect my rights as a consumer. I expect your agency to prioritize this matter and provide a swift resolution.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/24, I used a drive-up Huntington ATM located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX at approximately XXXX. I needed to deposit XXXX} in cash. I had a total of XXXX $ XXXX and XXXX $ XXXX. During the deposit, the ATM indicated that it accepted XXXX but kicked a XXXX} out saying it could not properly process the bill. I selected the option to deposit more cash. The screen signaled for me to insert the bill ( s ) but the slot for doing such never opened. After approximately 10-15 seconds, an error showed on the screen saying my transaction could not be processed and told me to take my card. Once I took my card from the slot, the machine went back to the home screen. The machine did not prompt me for a receipt at that time and did not return any of the money I had already put in. I checked my account immediately and did not see a pending deposit. I then called Huntington Customer Service ( XXXX ) at XXXX and was transferred to the dispute department. I gave the details of the occurrence as I am doing here and was told I would receive a credit for the amount within 24 hours ( as of this complaint on XX/XX/24 at XXXX, I still have not received my money ) and the dispute would be investigated.
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (AR)

On XXXX I contacted RENTDEBT to make a payment agreement on a debt of {$33000.00}. I asked if I could pay {$200.00} a month until the debt was paid or settled. The CSR I spoke with said that would be fine. I asked for a statement confirming the payment agreement to be sent via email and mail. I was told that a agreement statement would not be possible until the debt was paid In full or settled. The reason why I asked for this is to show that I am paying the debt and to show my home loan officer to qualify for a mortgage so my family and I will no longer be homeless. I called RENTDEBT on XX/XX/2024 to speak to a manager to be told that they would not be able to send the statement.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I placed fraud alerts on my credit reports and ask for investigation to be done and to no avail the account came back as valid my complaint is to have the companies that are reporting on me to really investigate the accounts or remove them immediately.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

Subject : Notice of Default and Credit Denial Dear American Express Customer Relations, I am writing to address the recent denial of my credit application with American Express and to bring to your attention a specific provision in your Inventor Trust Agreement that I believe is pertinent to my application. 

In reviewing the Inventor Trust Agreement, specifically Section 2.9 - Exchange and Registration of Transfer of Securities, it has come to my attention that my application is considered a security under this provision. I understand that the proper evaluation of creditworthiness is crucial, and I have carefully reviewed the terms and conditions associated with this section. 

Given the information provided in Section 2.9, I would like to highlight that my application should be considered within the framework of the agreement, and any denial should be thoroughly reviewed in accordance with the terms outlined in the Inventor Trust Agreement. 

I believe that my application has not been given due consideration in light of the mentioned section, and I am concerned that this denial may constitute a notice of default under the terms of the agreement. 

I kindly request a thorough reevaluation of my credit application, taking into account the relevant provisions in the

Inventor Trust Agreement. Additionally, I would appreciate any clarification on the reasons for the denial and any specific documentation or information required to remedy the situation.

I value my relationship with American Express and trust that this matter can be resolved amicably. Your prompt attention to this issue is greatly appreciated. 

Sincerely, XXXX XXXX, agent
Consumer complaint received 2024-04-01
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc. (AZ)

I scheduled an appointment with XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX, during which payment arrangements were finalized. I paid {$72.00} to Sunbit, a financing company affiliated with XXXX XXXX, with payments scheduled for future dates, beginning on XX/XX/XXXX and continuing monthly thereafter. 

Subsequently, I cancelled the appointment, prompting XXXX XXXX to refund me {$150.00} and to contact Sunbit to terminate the loan due to the absence of services rendered. Despite reaching out to XXXX XXXX on multiple occasions, including a visit to their office during the week of XX/XX/XXXX, I have not received any updates or callbacks regarding the resolution of this matter, which has now extended beyond a month. 

Upon contacting Sunbit, I was informed that XXXX XXXX must initiate the cancellation process for the agreement to be terminated and the refund to be processed. 

Expressing my concerns to the receptionist at XXXX XXXX, I highlighted the distress caused by receiving collection calls from both XXXX XXXX and Sunbit for a service that was neither utilized nor received. I emphasized the potential impact on my credit score and conveyed my frustration at the perceived mishandling of funds by XXXX XXXX and Sunbit. Urgent resolution of this issue is imperative to prevent any adverse effects on my credit standing. 

Sunbit AgreemenXXXX : XXXX Merchant : XXXX XXXX XXXX  Purchase Date : XX/XX/year> Thank you
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: RoundPoint Mortgage Servicing LLC (VA)

I asked my mortgage company to prove that they lent me the money for my mortgage and they were not able to do so under the truth in lending act, so i'm requesting that they send me a remittance so I can pay the outstanding balance from my personal bond issued when I became a US citizen.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (AZ)

I have 3 American Express Gift cards gifted to me by my employer for good hard work. However, all three cards are locked. I can't use them in person at local stores that accept American Express nor can I use them on XXXX, the biggest online store, and I can not get a hold of American Express as to why this is. 

- I've tried going through the website contacts ( amexgiftcard.com ). 
- I've tried calling the number on the back of the card ( XXXX ) - I've tried calling the American Express help phone number ( XXXX ). 

This main number ( XXXX ) is the WORST! Every time I call, they immediately transfer me to whatever number it is that they transfer me, and the options on the transferred number are only for getting the balance, but never to talk to anyone. I know the balance ... That's why I'm trying to use the card. 

All of which continue to give me a runaround and just keep transferring me onto someone else. I've never had such a bad customer experience with money. 

Two cards have never been used. 
Card XXXX <- Balance {$50.00} Expires XX/XX/XXXX XXXX Card XXXX <- Balance {$500.00} Expires XX/XX/XXXX XXXX The third card is a year or so old and has been used, but is no longer usable. 
Card XXXX <- XXXX XXXX {$250.00}. XXXX XXXX <- XXXX Expires XX/XX/XXXX XXXX
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I am continually being charged overdrafts fees XXXX XXXXXXXX per month on transactions I have not authorized. I have had Wells Fargo disable all overdraft fee protection features and they continue to authorize transactions I have told them not to. When I attempted to fix this with their customer service they attempt to " refund '' 50 % of the overdraft fees and I am forced to agree to this in order to recoup the half of the money. I refuse to agree to this " deal '' and I can tell they are attempting to get me to forfeit my rights as a consumer to do so. I am not liable for any of these fees as I have told them to never authorize the transactions in the first place.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

Someone open an account with my information without my permission, I didnt check my emails for a long time, once I noticed that debt I tried to fixed it, changed my password but it was too late. This was around 2018 been trying to fix it for a while now, trying to get rid of a debt I didnt acquire, I dont think its fair to pay a debt its not mine.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

In Accordnace with the fair credit reporting actXXXX account # XXXX, has violared my rights. 

15 USC 1681 section 602 states I have th eright to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card account under an open end consumer credit plan account as late for card purpose
Consumer complaint received 2023-05-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (TX)

OneMain financial services has manufactured fraudulent documents to seize private homestead, there was never any loan taken by the XXXX at any time in XXXX, I am in possession of numerous fraudulent documents that OneMain financial services has used to seize property that has no lein, XXXX paid cash for property in XXXX, as well as the claim from XXXX is on a Debt they are claiming, that is XXXX old, XXXX past the statute of limitations of Texas, They have obtained property they have no rights to, there are NO wet ink signatures on any documents, and they have never provided any to the courts. 

in XXXX, XXXX XXXX XXXX XXXX provided a Judgement on the property of the XXXX from XXXX, XXXX XXXX did not take precautions to protect sensitive information and for XXXX XXXX XXXX XXXX XXXX XXXX name , dates of birth, complete social security numbers XXXX and complete driver 's license numbers were made available to anyone to access, then XXXX later a fraudulent deed was filed as the information on such deed is questionable not containing witnesses signatures, this must stop, I got the run around last time, so i will expect it to be the same this time, your office has directly affected the safety of a victim of a crime, it's a real shame this is how citizens get treated like criminals and the criminals get a free pass from government entities.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2022 Navy Federal decided to take {$440.00} which was all of the money in my account to pay a car note that I was 9 days behind on. I did not authorize Navy Federal to take the fund out of my account leaving me at a XXXX balance. This also caused my Navy Federal credit card to become late because I had a scheduled payment coming out the account.
Consumer complaint received 2024-04-03
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. (IN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, and so on.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2024-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (PA)

I took out a car loan from ally auto They said I can refinance the car loan Now they saying I have to pay mor interest then the car is worth Iam low income XXXX And loss income I cant afford to pay XXXX a month for a car that XXXX XXXX value is XXXX And interst left is XXXX dollars this is unethical to do to a XXXX XXXX
Consumer complaint received 2024-01-28
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: Rocket Mortgage, LLC (OH)

I am writing to bring to your attention a matter of great concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which outlines the permissible purposes for obtaining consumer reports. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (GA)

After meeting all the requirements, I was denied an extension of credit on XX/XX/XXXX  after applying for a Discover card with Discover Bank and was denied credit without any conditional acceptance as outline In U.S Code. The denial reason being Bankruptcy as indicated on the adverse action letter which is also discrimination and a violation of my Inalienable rights.I am not in Bankruptcy and a previous Bankruptcy is not derogatory credit as no credit was extended. I am entitled to receive credit. Please see attachments with references to U.S. Codes and more