davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I am an XXXX in XXXX and am submitting this CFPB Complaint on behalf of my client, a homeowner in XXXX, NJ ( XXXX County, XXXX ). My client owns a home on which he has an outstanding mortgage obligation - amount currently due is approx. {$440000.00}. The mortgage Servicer is Nationstar Mortgage LLC ( XXXX, XXXX ). Despite our efforts to obtain a mortgage modification, we have encountered extreme difficulty in dealing with Nationstar, the mortgage servicer. On XXXX XXXX, XXXX, my client submitted HAMP paperwork in order to apply for a modification ( previously, paperwork had been submitted on numerous occasions, but on each such occasion, Nationstar denied the application due to an alleged document deficiency ). Through our XX/XX/XXXX submission, Nationstar finally acknowledged our completed submission. By all accounts, my client should rightly qualify for a mortgage modification - his current mortgage outstanding ( including interest and fees ) is approx. {$440000.00} and my client earns in excess of $ XXXX / per annum. Furthermore, my client carries little to no additional consumer debt ( no car loan, little to no credit card debt, no student loans, etc. ). Despite this, in XXXX XXXX, Nationstar notified my office that my client 's mortgage modification application was being denied, due to various reasons, each of which was inaccurate and/or nebulous and without grounding in actual fact. On XXXX XXXX, XXXX, I filed a formal Appeal Letter with Nationstar in order to dispute its modification application denial, and in so doing, raised a number of questions and attached key supporting documents. To date, Nationstar and its counsel have failed to the substantive questions that I raised through the XXXX XXXX, XXXX Appeal Letter. These questions included, but were not limited to, inquiries on : ( i ) the ostensible owner / holder of the Note ( Nationstar is only the Servicer ) ; ( ii ) the additional expenses per DOJ guidelines used by Nationstar in bolstering its assertion that my client has negative debt to income due to various expenses ; ( iii ) a complete list of all expenses and corresponding amounts used by Nationstar when conducting its HAMP analysis as to my client 's eligibility for a potential modification ; ( iv ) a complete copy of my client 's Loan File ; ( v ) language in either the MHA Handbook or Nationstar 's Servicer Participation Agreement which arguably allows Nationstar to deny my client for a HAMP Tier II modification by unilaterally rejiggering the interest rate as though the ARM loan was current. At this stage, the situation calls for immediate oversight and assistance from the CFPB - earlier today, my client received a Notice of Sale in his mail from Nationstar 's counsel indicating a foreclosure sale has been set for XXXX XXXX, XXXX. I have advised my client of his XXXX ( XXXX ) statutorily mandated sale adjournments of two ( 2 ) weeks each. Thank you in advance for your time and attention.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

On XX/XX/XXXX received email from chime of account closure and transferring my savings to my checking so I login to take money out and I can not login and access account anymore mins you they sent the email the same day they closed my account not giving g me time to take money out I am a single mother and have XXXX  XXXX XXXX bills coming up and without money it is crazy and ridiculous
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account was with XXXX XXXX XXXXXXXX XXXX removed because it wasnt my account than the collection agency reported it on XX/XX/XXXX please remove off credit as soon as possible
Consumer complaint received 2023-07-07
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)

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2019 and a balance of {$25000.00} In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This item is not allowing me to XXXX  my home and has an impact on employment. It is also affecting my credit score and making other creditor to lower my credit lines.
Consumer complaint received 2023-04-19
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: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX  XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX  as well as XXXX  and Regional Acceptance informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately 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 2023-01-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-03-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (CA)

I received a prepaid NetSpend debit card at a Continental currency exchange in the month of XXXX in the month of XXXX I received a direct deposit from social security to the NetSpend account in the month of XXXX I received the card in the mail and try to activate the card but that account was locked out also the card that I received in the month of XXXX soon have a lock on it and I was asked to send in my ID and proof of residence and I did just that but to no avail what XXXX unlock the prepaid debit card account
Consumer complaint received 2024-03-08
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. (PA)

I reviewed my consumer reports and noticed that I had XXXX late payments on my XXXX  account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/year>, XX/XX/year> ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (MA)

We have been trying to work with BSI Financial for several years to resolve our Mortgage issue, communication with this company has been extremely difficult. We have paid several different agencies to help us including XXXX XXXX and XXXX XXXX. BSI is very difficult to work with. We have made over XXXX i. Payment to BSI over the past year and they are showing we have made XXXX payments. We have tried to work on loan modifications etc. 
Now we have a foreclosure sale pending for the XXXX of XXXX, we have lived in our home for 31 years and do not want to loose it.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Equifax should not be reporting me as an authorized user on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-03-08
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. (CA)

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: QUALITY ACCEPTANCE LLC (CA)

I opened an auto loan with Quality Acceptance. In XX/XX/XXXX. The car was repossessed XXXX of XXXX. I never recieved any proper communication before repo. 

The car was dragged out of my driveway with no communication of their intent to do so. They would eventually send the car to auction.Without giving me the option to recover. 

I am unsure of the auction price because they refuse to give me any information. A few months later the pandemic would hit. The amount owed after the car was sold was never updated to credit bural. When it did. It updated as a charge off of XXXX. 

I would later recieve an update of the account being " Closed and Charged Off '', I tried calling to figure out what I actually owe, but Quality Acceptance keeps changing the amount. They won't give me a straight forward answer and are very aggressive on the phone. 

I have no idea why I owe this new XXXX amount, and I haven't recieved an invoices since XXXX for ANY of these new amounts chaged to the this closed and discharged account on my credit file. 

I believe this company is using unlawful practices to force people into paying significantly more then what they originally owed. My balance was a little over XXXX in XXXX. 

Without notice, now the balance is XXXX. They have charged over XXXX since the account closed in XXXX. Keep in mind this account is closed, and I haven't received a single invoice, phone call, or email communication for ANY charges accuring on my report. As of today XX/XX/XXXX. 

I think they know I can't pay this amount. And they a purposely and with bad faith, attempting to ruin my credit.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services ()

EdFinancial has been moving my loan to EdFinancial for several months.

I am not able to access my account despite the end of the Student Loan payment pause. I can not verify that I am on an XXXX. I can not verify if I need to pay. I don't know how much I owe They said they will fix it over a month ago ( late XXXX ). 

When I try to register again on their website ( despite being their client for many years ), I get an error.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (CT)

I notified XXXX that the name on the statement needed correction and without notification, the Card was charged off and reported to the credit agency as negative reporting. I understand that this is unlawful as the card was in dispute. I am looking for immediate correction to credit reporting. This is written in plain language to aid in your understanding. 
Thank XXXX XXXX
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible.
Consumer complaint received 2024-03-07
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. (MD)

From XX/XX/2024 to present I have sent various letter to XXXX, XXXX, and Experian regarding numerous inquires on my credit profile that do not belong to me. I was a victim of identity theft and for that reason I have a fraud alert placed on my credit report with each bureau instructing any creditor wishing to access my credit profile to verify my identity through contacting me at the listed phone number and obtaining identification. XXXX, XXXX, and Experian failed to comply with my wish to protect my credit information and even more so did not complete a thorough investigation of my disputes when presented to them sending out correspondence stating that the inquires would remain for 2 years. 

In accordance with the Fair Credit Reporting act. The list of inquries below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. .15 U.S.C 1681 section 602 A. 

XXXX, XXXX, and Experian have not complied and I am requesting action or demanded compensation.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (AZ)

I received a Bill From Barclay for My XXXX XXXX XXXX ( ending in XXXX ) for an annual fee. I never use the card so I called to close it on XX/XX/XXXX. I told them that I wanted to close the card and asked to have the annual fee and any late fees removed and my account closed. They indicated that would happen. 

It apparently did not, because I continue to get emails of past due and now my credit has been ruined from NEAR perfect score!!!!!! I am now getting called by companies to help with my debt issues. BUT I HAVE NO ISSUES WITH DEBT. I HAVE AN ISSUE WITH A CREDIT CARD THAT IS HOLDING ME HOSTAGE AND RUINING MY CREDIT RATING. 

I have called them no less than 4 times including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called all these numbers : XXXX, XXXX, XXXX, and contine to have them say they will deal with it but they don't. When I called on XX/XX/XXXX, I held for a Supervisor for 10 min. They came on the line after 10 or more minutes and said there was not a Supervisor available, but they would call me back that day. They did not. 

I called today and they act like they are just now looking into this ( bcz I am calling ) and my call on XX/XX/XXXX asking for the card to be cancelled. " It will be reviewed '' I said " why does it take almost 2 months to cancel my card and in the mean time ruin my Perfect Credt Score?? '' " What do I have to pay you to make this nonsense stop??? '' I told them I was contacting you to report them! 

Again they say a Supervisor will reach out to me. I asked her today what is the RANSOM I need to pay to be let out of this Credit Card????? I WANT THEM OUT OF MY LIFE AND I WANT THEM TO RESTORE MY EXCELLENT CREDIT!!!!!! NOW!!!!!!! 

I have another Barclay XXXX I constantly use AND PAY OFF EVERY MONTH TO THE TUNE OF SEVERAL THOUSAND DOLLARS! You can tell Barclay that I will be cancelling that one as well because of the way I am being treated after being a customer with them FOR DECADES!!!!!
Consumer complaint received 2023-02-13
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 my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
Accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TekCollect Inc. (PA)

Received a phone call from TEK COLLECT INC on XX/XX/2023 at XXXX the phone number they used at the time is XXXX. Upon answering the phone they immediately asked for my name, where I asked who they were and what company they were calling from. The caller refused to identify and stated they need to verify who they were talking to before releasing that information. Upon asking again for the information, I was put on hold for 30 seconds. They then came back on the line with a different person and stated they were from Tek Collect about a debt. I immediately informed them that they violated FDCPA by refusing the identify immediately upon request and that they were calling a cell phone incurring me charges where they were not authorized to call. The phone call was immediately terminated.
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I revoked the Power of Attorney from XXXX. that I gave to them and asked that the Power given to XXXX be coveyed back to XXXX XXXX. Also Nation or XXXX has not responded to the QWR or the proof of claim i sent to them. Prior to this, I 've tried to work with them on many occasion to work it out for an affordable modification no luck at all
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Received multiple emails between XXXXXXXX XXXX on XX/XX/XXXX stating that an account is in progress of being created and verified. The account was then created and approved during that time. I had no knowledge nor approved or any sort of account being created. I dont even Bank with Bank of America so that was already a flag. Called the fraud line between XXXX XXXX XXXXXX/XX/XXXX and the lady stated that the account was opened using my SSN and there was no activity on it yet. Lady stated that she closed the account and would send an email verification. Have yet to receive said email as of XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.