davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NH)

I require your assistance if you can help, regarding my mortgage lender giving me the runaround in refunding and settling my escrow overage. 
I received an escrow overage refund check for {$460.00} XXXX XXXX 2015 from my mortgage company " Nationstar Mortgage ''. I misplaced it so it was never cashed, and when I found it ( XX/XX/2015 ) it was past the 180 days to cash it in. 
I contacted Nationstar on XXXX XXXX with the information and they stated they would reissue a new check, and that it would take four days to process and to allow 7-10 mailing days. After that time had lapsed and no check arrived, I contacted them again and they now said it was never sent, needing " verification of address '' which was given and verified over the phone and having been a customer for 14 years getting my statements sent to me every month they well know my address! 
I then requested it to be overnighted and they agreed and sent me a XXXX tracking number. Four days later it still was never dropped off with XXXX and when I called to ask why, Nationstar stated " It was cancelled because it sat there too long. '' Duh! Once again they said they would reissue the check, overnight, and gave me a tracking number and to expect it the following day. The following day it had never arrived at XXXX which I verified with the tracking number so yet again I called Nationstar and yet again got the run around. 
They canceled that alleged check and once again gave me a tracking number for expedited overnight delivery with XXXX. You can guess what happened, it never was delivered to XXXX. So like a dummy I called Nationstar again and again I was given a new tracking number and promised overnight delivery. It has not been received by XXXX via the tracking number nor will it. 
Four times in the past month ( Once alleged by mail and three times alleged by overnight XXXX ) I have been told my check would be reissued and four times nothing has been done about it save for printing XXXX labels and nothing else. 
It 's apparent to me that Nationstar has no interest in refunding what is legally mine and just wants me to stop trying to keep my money. I paid off my mortgage early this XXXX 2015 so perhaps that I am no longer a cash cow they have little interest in giving me what they owe me. I never was late or missed a single payment in fourteen years with Nationstar Mortgage either. 
Is there anything you can do to act on my behalf? This is very upsetting. Supervisors do not return my calls, and agents who promise to rectify it never do. Not once have I treated them with rudeness or bad language and have been as understanding as possible. However, I now understand that they have no intention of refunding my money ; four attempts in one month with nothing happening is an untenable situation and egregious. 
I can provide specific information as requested. Please contact me and please let me know if you are able to intervene on my behalf, I would be very grateful. 
XXXX XXXX
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (IA)

I had a brain concussion I believe it was XX/XX/2020 so we had got a stimulus around than i had forgot XXXX per money for dependent dude to covid. So now that everyone asking me bout it no clue so I called da Irs they say i got it they put on my debit card I ask them which one they told me da numbers so i called the people who I got the card thru bout the card I actually have two accounts with them so I asked bout 1 account no problem I verified everything ok but when I tried my account da irs gave me da digit on they say that account doesn't match records which I answer proper questions so idk can u guys help
Consumer complaint received 2023-02-09
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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. (CA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2024-03-20
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)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (GA)

I TRIED TO TRANSFER MONEY FROM MY CITIBANK ACCELERATE ACCOUNT TO MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/2023. I MADE THE REQUEST AT THE CITIBANK ONLINE ACCOUNT. THE REFERENCE NUMBER WAS XXXX ON THE CONFIRMATION NOTICE. ON XX/XX/2023 I RECEIVED AN EMAIL THAT MY WIRE TRANSFER IS ON HOLD. I TELEPHONED XXXX AND SPOKE TO A XXXX NAMED XXXX AND HE SAID THE TRANSFER WOULD GO THROUGH AT XXXX XXXX  THAT DAY. ON XX/XX/2023 I RECEIVED AN EMAIL THAT MY WIRE TRANSFER WAS CANCELLED. I AGAIN REQUESTED A WIRE TRANSFER FOR THE FULL AMOUNT OF MY ACCOUNT. THE CONFIRMATION NO. WAS XXXX. ON XX/XX/2023 I RECEIVED AN EMAIL THE WIRE TRANSFER IS ON HOLD. I AGAIN TELEPHONE XXXX AND SPOKE TO XXXX ( XXXX ). SHE CONFIRMED MY INFORMATION AND TRANSFERRED ME TO XXXX IN FRAUD. I ANSWERED ALL HER QUESTIONS CORRECTLY BUT SHE REQUESTED SOMETHING ON MY CITIBANK DEBIT CARD. I COULD NOT UNDERSTAND WHAT SHE WAS REQUESTING SO SHE SAID MY WIRE TRANSFER WAS REJECTED AND SHE HUNG UP. I NEED THIS MONEY IN MY CHECKING ACCOUNT BECAUSE MY SON IS IN XXXX XXXX XXXX XXXX XXXX AND I NEED THE MONEY TO PAY MY BILLS.
Consumer complaint received 2015-10-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I became a victim from XXXX/broker " s name [ XXXX XXXX ] whom was attempting to bring his legal secretary to my front door and said that he wanted to close home refinance loan since I was already cancelled this loan. He force me by said : XXXX you will pay same amount $ XXXX/month for 5 years or 60 months and I did not have time to review all documents. Based on good faith he was indicated with an interest rate 1.250 % 2. Then he sold this account to second XXXX XXXX XXXX on XXXX/XXXX/2007 after he took over {$7.00} thousands dollars on closing cost more than it was indicated on GF copy. 3. Then second XXXX XXXX XXXX Servicing re-sold my account to Aurora Loan Services on XX/XX/XXXX with original loan {$240.00} to become principal balance= {$240.00} after six month payment that I paid toward the end of 5 years aka 60 months and remained 54 more months to complete my terms. 
Note : I had planned to refinance to fix rate before my term up. 
Suddently Aurora Loan Services was illegally jumped my monthly mortgage payment from {$790.00} to {$2600.00} right after three [ 3 ] years as well as changed my interest rate without my knowledge. Since I was paid and owned this property since XX/XX/XXXX and never missed any payment from bank to bank when numbers of banks tried to merge together. 
I am work hard for my family to raise my children alone, I used to work XXXX jobs to maintain my life. For more detail including their addresses I will submit when requested. 
Please assist me to go through this upside down mortgage principal was created by Aurora Loan Services.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

The following companies Shared my personal information without my written consent. 

AMEX : Date XX/XX/scrub>XXXX XXXX XXXX XXXX : Date XXXX XXXX 15 USC 1681 ( 2 ) ANY negative item that a company reports to your credit report WITHOUT your WRITTEN CONSENT is considered identity theft and fraud.

( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX Phone : XXXX REFERENCE : XXXX TO WHOM THIS MAY CONCERN, RECENTLY I SUBMITTED AN ONLINE APPLICATION FOR A CREDIT CARD DUE TO SEVERE FINANCIAL HARDSHIP. ONLY TO BE DENIED ACCESS TO MY OWN CREDIT AS A CITIZEN, WHICH IS A FRAUDULENT BREACH OF FIDUCIARY DUTY.

I BELIEVE I WAS DENIED DUE TO DISCRIMINATION AGAINST ME FOR BEING A ( XXXX ) XXXX XXXX XXXX WHO HAPPENS TO BE OF XXXX XXXX. 

BANK OF AMERICA IS CURRENTLY IN VIOLATION OF THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT. 

NOTHING LESS THAN FULL REMEDY OF THIS MATTER WILL SUFFICE. 

FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS, WILL CREATE IMMEDIATE LEGAL ACTION.
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (NJ)

The NJ State of HAF Assistance funds approved me for mortgage assistance. I am in a active XXXX and need court approval to accept the funds, when the state approved me they originally approved me for XXXX XXXX, which would have paid me through XX/XX/XXXX. But they XXXX court hearing would did not take place until XX/XX/XXXX so they awarded me additional funds to include my XX/XX/XXXX payment meaning I would not make my payments until XX/XX/XXXX. I have included both award letters. M & T bank my mortgage servicer received the funds and misapplied my XX/XX/XXXX payment to my escrow balance which resulted in them sending me an escrow overage check iao {$420.00}. I called M & T bank on many occassions and the XXXX Team confirmed my payments were misapplied but the HAF assistance team there at M & T bank claims the funds were not misapplied and refuse to reverse the funds. I have spoken to several managers and they have told me that they will cancel the escrow refund check and reverse the funds, however every time I contact them they claim HAF Team refuses to reverse the funds they misapplied, they asked me to send both award letters which I have been told to file the complaint with you to have you assist me. The state of NJ and the title company both told me the funds iao XXXX XXXX included my XX/XX/XXXX payment. I would like to make my XX/XX/XXXX payment but I need them to reverse my XXXX funds they applied to escrow and reapply it to my XX/XX/XXXX mortgage payment. Again I would not have a escrow overage if they had not applied my XX/XX/XXXX to my escrow balance in error.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX ) I made payments on the amount due on my credit card in XXXX XXXX XXXX. 
XXXX ) In XXXX I was notified that my payment was late. I contacted the company and they opened up XXXX case numbers. 
Case XXXX XXXX for payment of {$200.00} Case XXXX XXXX for payment of {$53.00} XXXX ) XXXXXXXX XXXX XXXX XXXX I faxed a XXXX page document with proof from my bank that these payments had been withdrawn from my checking account on XX/XX/XXXX. 
XXXX ) I set up auto payments of {$25.00} so my account would not be flagged as having late payments while they researched why my payments had not been credited to my account. 
XXXX ) In XXXX I called again and they asked for additional information on the payment of XXXX and transferred me to a different department. They then saw that they had all the information they needed to resolve the issue and told me they would reach out if they needed more info. 
XXXX ) On XXXX XXXX XXXX I called again and was transferred to a supervisor called XXXX from Credit Card Services who said it was still being researched and I needed to wait. XXXX  could not resolve the issue for me or transfer me to someone who could.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I pulled my credit scores back in late XX/XX/2023, with my free yearly credit pull, found a few imperfections and sent letter to XXXX, Experian and XXXX on XX/XX/XXXX, asking for an investigations on a few accounts that did not match. I gave them 30 days to respond and show proof of their findings, and they failed to respond and honor my requests.
Consumer complaint received 2024-04-11
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)

I have been a victim of identity theft numerous loans and credit cards were taken out using my personal information without my knowledge. In 2023 I found that XXXXXXXX XXXX loan showing on my credit report, I immediately filed a report on identitytheft.gov. The account was removed from credit reporting agencies, recently I found that the account had been placed back on my credit report. I have contacted XXXXXXXX XXXX their collection company and the major credit reporting agencies without any response or resolution.
Consumer complaint received 2023-11-24
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: EQUIFAX, INC. (FL)

Dispute of Unrecognized and Unauthorized Inquiries that i see on my credit report. This inquiries details are outlined 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (AL)

Subject : Request for Immediate Removal of Fraudulent Account from Credit Report I am writing to request the immediate removal of a fraudulent account from my credit report. The fraudulent account is listed under the following details : Creditor : XXXX XXXX XXXX XXXX XXXX Debt XXXX XXXX  Account Number : Placed for Collections ( amount {$3200.00} ) Date Reported : XX/XX/2024 Account Status : collections I have thoroughly reviewed my credit report and have identified this account as fraudulent for the following reasons : Identity Theft : I have never opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in any transactions with them. The account in question is a result of identity theft, and I have taken the necessary steps to report the fraudulent activity to the authorities. 
Inaccurate Reporting : The account is reporting inaccurate information, including the date of last activity and the date of first delinquency. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported by credit bureaus be accurate and complete. 
Failure to Investigate : Despite my repeated requests, XXXX has failed to conduct a reasonable investigation into this matter. This is a violation of my rights under the FCRA, which requires credit bureaus to investigate disputes and correct or delete inaccurate information.

Consumer Rights Violations : By allowing this fraudulent account to remain on my credit report, the credit reporting agencies are infringing upon my rights as a consumer. These rights include the right to dispute inaccurate information and the right to request a free copy of my credit report once every 12 months. 
In accordance with my rights under the FCRA, I demand that the credit reporting agencies immediately remove the fraudulent account from my credit report and provide me with a revised copy of my credit report reflecting this removal. I also request written confirmation of the removal and any actions taken to investigate this matter. 
Please note that failure to comply with this request may result in further legal action to enforce my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal. 
Sincerely, XXXX XXXX You will also see that I have no inquiries regarding any request to ANY credit request.
Consumer complaint received 2023-11-24
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: EQUIFAX, INC. (MA)

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 The following personal information is incorrect. The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The accounts in question ( Dept of Edu/XXXX ) all transfered to XXXX in XXXXXXXX XXXX ( Please see Transfer Letter and XXXX Payoff and XXXX Balance attachments ). However, although XXXX shows a {$0.00} balance, they have not closed the accounts or reported them to Experian as paid off, so my credit report shows the same amounts for both XXXX and XXXX ( see Experian attachment ). The XXXX accounts show as open and 0 % paid for each amount and this has already negatively affected our credit and ability to get a better car loan. I filed a dispute with Experian in XXXX, but they resolved that we must contact XXXX because the accounts are still open. I contacted XXXX on XX/XX/XXXX and was told that nothing can be done because their bank has a " credit suppression '' hold. This is unacceptable. The accounts, by law, have to be closed and reported to all three credit agencies, including Experian, as paid in full and closed. XXXX refuses to take these rightful actions.
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VALLEY NATIONAL BANCORP (NJ)

On XX/XX/2018, I opened a premier checking account with Valley National Bank that offered a {$200.00} bonus with qualifying criteria. It has already been 90 days and i have had my direct deposit in the account, yet the bank has not issued the promised bonus.