davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/17, we purchased 2 adjustable gold necklaces at a price of {$690.00} from ''XXXX XXXX XXXX , in XXXX XXXX , XXXX XXXX . 


Unto this day, we have not received the items. The credit card company was contacted and the merchant as well, but to no avail. 

The credit card company has reached a stage where they said they are not involved in this matter and contact should be made directly with the merchant. 

We tried with the merchant via numerous emails but no resolution have been made, only promises. 

Attached are communications.
Consumer complaint received 2021-06-03
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: CITIBANK, N.A. (FL)

ON XX/XX/2020. I was a victim of identity theft. Some could have been a friend, family member, or someone in general in fraudulently applied to Citi CBNA Card. I didn't not consent, authorized, benefit, apply to nor use Citi Bank programs or products. I have reached out to XXXX, XXXX, and XXXX  about the matter and they all responded that the reporting company has verified the information. I have filed an FTC identity theft report. I want this inquiry blocked and deleted. It's one of the inquiries that I have complained about that is stopping me from attaining XXXX XXXX  XXXX because of their XX/XX/XXXX rule. 

I have also filed a previous CFPB complaint about the reporting of the aforementioned companies reporting inaccurate unverified information lacking maximum accuracy. 
See FTC Identity Theft Report : # XXXX and CFPB # XXXX.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, 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. (OK)

i have inquiry 's on my credit report that I did not authorize nor where they a firm credit offer. I have tried to get Experian to investigate, I have written each bank the pulled my credit with no response, prior to me filing suit in the federal district court of western Oklahoma, I am asking for the final time for Experian to investigate these inquiry 's and remove the one that don't meet permissible purpose as out line by 15 U.S. Code 1681b.Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; I have attached a list, these company 's either need to provided a written consent form with my signature or a letter showing that they gave me a firm offer of credit.

if neither can be provided as proof the they must be deleted from my credit report.

I am allowing to 15 days to investigate prior to filing in court.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Management Solutions, LLC (NJ)

I noticed a remark on my credit report from FMS and requested validation of debt in XXXX. Shortly after, an old associate of mine was contacted by a law office. I was then contacted by a law office on Tuesday XX/XX/2019 once and three times on Wednesday XX/XX/2019. I requested they contact me via mail regarding any matters. Ive recieved nothing via mail validating the debt which they claim I owe. Today, I was contacted by that same old associate who stated my name was included in a law suit filing notice she was served with. Still no validation of debt has been made. The fact that I requested validation and now being faced with being sued, while my rights as a consumer were violated is unfair and unjust. And, With further review of my credit reports, I came across a potential business being reported under my name and the address owned/operated by the company in question. 

As Im completing this complaint, FMS has once again pulled my credit profile with XXXX against my knowledge, request and without permissible purposes. They have yet to provide me with Validation. 

They are also continuing to report to the credit bureaus while account in reference is in dispute which is illegal.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

In an attempt to refinance my home loan it was brought to my attention that I had a negative account on my XXXX credit score. I was not notified that this was still active on my account, as I have now found out that a new debt collection agency had purchased this debt. I was not notified by them via mail, and if they called I have not answered and spoken to anyone involving this. This debt is not valid, so I would have fought this debt, as I have in the past, which I am now doing since my discussion with my mortgage company brought this to my attention.
Consumer complaint received 2021-02-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I am still having problems with Champion Mortgage. Most recently, they are not applying payments I have made by checks of {$140.00} to my loan account XXXX # XXXX XXXX. When I sent this month 's payment on XXXX the check ( # XXXX ) still has not posted to my XXXX XXXX checking account as of today, the XXXX. When I called them last week, at first, they told me I missed three payments due to auto deduction agreement was stopped because the bank had blocked such deductions from my checking account. When I called XXXX XXXX, they told me there were no such blocks and all Champion needed to do was resubmit the deduction request. I called Champion again and they insisted my bank would not clear the check -- which apparently is not true. Either that or Champion 's system is faulty. Payments were sent to Champion Mortgage, XXXX XXXX XXXX, XXXX, TX, XXXX
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I have been receiving phone calls and letters since XXXX of XXXX from Resurgent Capital Services. They are claiming I owed money back from XXXX to XXXX XXXX in the amount of {$1300.00}. In there letters and even over the phone they have told me that the statute of limitations has ran out and they can not sue me. However I am still obligated to pay them. I told them the debt wasn't mine. I have nothing on my credit report stating so. I have no record of this debt. I wrote them a formal letter asking for proof and also I wanted to get a copy of their license to collect debt in the state of Illinois. I received no proof of debt of that a letter head of their company logo saying I owed money. I was expecting some original documents from XXXX XXXX showing what I signed and agreed on. I also didn't receive any proof of them being licensed in IL. 

They are saying if I don't respond withing 30 days I will be held accountable for the debt and they will be able to legally pursue by re activating the time limit. I sent the another letter saying I didn't receive any valid proof that the debt was mine. I also stated I didn't receive any proof of them being licensed in IL. I would like the phone calls and letters to stop. I believe I have proven I have not obligation to pay what they are claiming. 

Please help XXXX
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

These company reporting on XX/XX/XXXX {$380.00}, XX/XX/XXXX {$770.00}, XX/XX/XXXX {$1500.00}, and XX/XX/XXXX {$160.00}. I sent them letters letting know these are not mine.
Consumer complaint received 2019-03-15
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. (PA)

These are a list of fraudulent accounts and inquires per bureau XXXX   Child support enforcement {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Apr XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX I am currently in the process of filing a lawsuit with ( XXXX XXXX of XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) against the credit bureaus. XXXX, XXXX  and Transunion for non compliance with the FCRA. I have mailed in numerous certified letters ( in which I have all receipts as well as a full comprehensive copy of my credit report along with my police report ) I mailed this to the bureaus XX/XX/XXXX. I have called at least 6-8 times and was given the run around every time in my lawsuit I will be naming the following indiviauls - ( XXXX ) XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice President and Associate general counsel - ( XXXX ) XXXX XXXX Senior Vice President -XXXX Fraud ID Theft XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice President Chief legal officer - ( TRANSUNION ) XXXX XXXX Executive Vice President Trasunion corp XXXX XXXX Director fraud and identity management XXXX XXXX Senior Attorney XXXX XXXX XXXX exec VP/gen counsel XXXX XXXX vice president and division gen counsel
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I open account with Capital One I made a payment never was I told or on their website does it show that they're going to keep my money for 6 days I didn't receive an email stating they will be taking my money I didn't receive notice that when I paid my money they were going to keep it for 6 days 6 days is too much for me not to have {$2800.00} it shouldn't be but one or two business days along with the email stating me they were holding my funds
Consumer complaint received 2019-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disappointed to say that TransUnion has failed to respond to my recent dispute that was delivered on XX/XX/2019 via certified mail. it is now XX/XX/2019. I have disputed 3 accounts on my credit report and noticed that i have yet to receive the results or my updated credit report. I have went to the TransUnion dispute center on XX/XX/2019 at approximately XXXX on the website and noticed that nothing was there under my account/name. I have requested that i be informed how they have verified the disputed accounts and on both occasions ( 2 dispute letters, this company has failed ). Since these accounts have not been verified/validated within the 30 days allowed to postmark a response, I strongly request that the items be deleted. I have been denied credit line increases on multiple accounts. i have also been denied a home loan due to the negative accounts that have yet to be validated listed on my current credit report.
Consumer complaint received 2019-03-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (PA)

I took out a {$500.00} loan from a lender online. To date, I have made payments of {$150.00} every two weeks. I have paid approximately {$750.00}, and the company says that all of my payments have gone to interest alone and that I still owe {$580.00} on a {$500.00} loan. They also have annotated in my account that my loan has been paid off every two weeks and that I have renewed my application for a new loan every two weeks as well. Each time, they charge me between $ 130- {$150.00} as a finance charge and says that I have a new loan in which the principal is {$10.00} less than the previous loan. My account actually has several loan numbers assigned ( XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ), but I only applied for one loan. It says my annual interest rate is 764.328 % and that I will pay finance charges upward of {$3700.00}. I called the company and told them that I believed they were breaking the law with the level of interest being charged, the restructuring of my loans as new applications, and in regard to the finance charges. I believe my payments have been incorrectly applied to the principal as well. The only information I was given was to check the website for the legal terms. I verbally withdrew my previous consent for automatic withdrawals from my checking account, which they said they would honor, but I have doubts. Right after I called and withdrew consent for withdrawals, my account status switched from " Active '' to " Collections '' but under the terms, my payment is not due untilXX/XX/2019, so that information is inaccurate. I can not be in collections without even missing a payment.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

I have an Apple card that was hacked on XX/XX/XXXX in the middle of the night there were the below charges to my card. 
XXXX {$950.00} XXXX {$39.00} x2 XXXX XXXX {$500.00} x3 XXXX {$950.00} XXXX XXXX  {$240.00} XXXX {$24.00} XXXX {$29.00} x5 In the morning I work up to an alert on my phone that Apple had declined some attempts to use my card that look fraudulent. I call Goldman Sacks right away and reviewed all of the charges above and confirmed they were all fraudulent. Goldman Sacks looked into this and reverse all of the charges that did go thru. 

On XX/XX/XXXX the XXXX charge of {$950.00} went back on my card. I reported it again, Goldman Sacks reversed and looked into the issue. Keep in my this was the first charge on the night my card was hacked and then the series of other attempts happened right after that first one. 

On XX/XX/XXXX I see that the charge was put back on my card. I call immediately and disputed. On XX/XX/XXXX I received and email from Goldman Sachs that this card was resolved in my favor and has been perinatally removed from my card. 

Sometime in XX/XX/XXXX this {$950.00} charge showed up on my balance again. I called into customer service and reported it and told the story and gave all the timelines of the night I was hacked. I asked if this could be escalated as I was not please that this was put back on my balance again. I have been call at least once a week asking why this has not been removed and no one calls me back with resolution. 

I am very concerned, due to the fact that I have an impecable credit score with a 100 % on time history in payments. I am getting emails that my balance is past due. This in no way should be reported to any credit bureau and effect my credit standing. 

Please help in resolving this with Goldman Sacks as I can not get them to return my call. 

Thank you in advance for your time and attention to this email. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

Per the escrow disclosure statement I received dated XX/XX/XXXX, my account showed an erroneous escrow shortage of {$4700.00}, which caused my monthly mortgage payments to increase substantially. This error was due to an anticipated obvious overpayment of my property taxes in XX/XX/XXXX. To address this issue, my attorneys mailed the mortgage servicer, Selene, a Qualified Written Request advising it of its error on XX/XX/XXXX. Wanting to avoid defaulting, I paid the erroneously high mortgage payment of {$3100.00} for XX/XX/XXXX. While not admitting its error, Selene 's response to the Qualified Written Request, dated XX/XX/XXXX, stated that {$650.00} of my XX/XX/XXXX payment was applied to principal and the mortgage statement I received for XX/XX/XXXX showed that the amount due had been adjusted to reflect that my regular monthly mortgage payment due was {$2400.00}, not {$3100.00}. I overpaid in XX/XX/XXXX due to Selene 's error, this overpayment was not due to a desire to pay down principal, and I never agreed to have this amount applied to principal. My attorneys contacted Selene by phone and email on XX/XX/XXXX, and sent a follow up email on XX/XX/XXXX, requesting that the {$650.00} that was applied to principal instead be applied to my next mortgage payment. Selene has not responded to this request and I paid the total amount due for XX/XX/XXXX, with no adjustments made for this overpayment.
Consumer complaint received 2019-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

I make my student loan payment every month for {$64.00} which is based on my income, however, after making my payment on the XXXX, Navient is adding on interest of $ XXXX  monthly which is hurting my credit and not helping bring my balance down. I contacted them and they stated my daily interest is {$38.00}. I need help.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALLY FINANCIAL INC. (MS)

Caller is allegedly trying to reach a XXXX XXXX regarding a XXXX XXXX. I am neither of these individuals nor do I know them. Further this is a emergency phone rarely used for calls and is primarily here for XXXX emergency doctor/ambulance purposes. Additionally I have been on the do-not-call list for both federal and state. I do not have nor have I ever had a business or personal relationship with Ally. Finally it costs me airtime to either make or receive calls and this is getting expensive.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

WFDS XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc (WI)

Through a backround and XXXX check provided by 'CHECKR ', previous driver 's license info was not shown ; report shows current Wisconsin license issued several months ago, but no mention of Illinois driver 's license that was active and in good syanding for many years prior to Wisconsin License.
Consumer complaint received 2019-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MD)

I made a payment on the XXXX, which was a Friday, due to how XXXX XXXX XXXX   processes payments, the payment is processed until the next business day which would be Monday. 

the XXXX is the last day to make a payment or you're late/ Anyways, This time I decided to use XXXX bank through their API that they integrated on their ( XXXX XXXX XXXX ) Online Payment Portal ... Come to find out 2 weeks later that although i was given a receipt and confirmation of payment, the payment had an error and they would be charging me late fees+ interest+ reporting to my credit. 

After making an immediate payment after coming to find out how they XXXX  up royally ( i even made the next months payment at the same time just so I don't have any issues again ), they said they would fix my credit reporting to make sure it doesn't hit on my credit. 
Loe and behold another 2-3 week goes by, I check my credit score and it's gone down 115 points due to " missed payment '' on the mortgage ... I filed through XXXX, no success. I have been in contact with XXXX and they refuse to give me the credit departments phone number, they take 2 weeks to respond to simple emails and at this point, I want to hire an attorney and take them to court for damages they've caused.
Consumer complaint received 2019-03-12
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: CITIBANK, N.A. (WI)

This debt was included in a amortization of debt. We filed in XX/XX/2018.  And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified citi bank in XX/XX/XXXX about the plan and did accept the agreement. This account should be current since XX/XX/XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way citi bank is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from citi they claim they are correct. Not true