davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MI)

Hello, we had a house fire on XX/XX/2021. We have a forced place insurance policy that we were advised covered the structure of the home. We were forced to secure the property on our home and the insurance adjustor did call us back until the following week. When we asked the reason for the delayed response we were told that he had an emergency and went out of town, like our house was not a priority even though we almost died escaping the blaze and had not just lost our family pet. 

When the claim was filed we discovered that the insurance policy covered XXXX of damages while the insurance adjustor recorded approximately XXXX worth of damages. We notified the insurance company of the discrepancy and that the amount of insurance coverage did not cover the lenders interest in the home and and they escalated the file due to the obvious discrepancy in the policy and policy limits. 

Today we were informed that the lender would not increase insurance coverage and that basically we were on our own. We have no where else to go. We have no HVAC, our electricity has not been repaired and is still a potential fire hazard, the home needs a repipe and there is a potential for a gas leak. We can not afford to pay the mortgage and restore the house to what it was before the fire. 

I feel like the lender is attempting to squeeze us out of the home since our mortgage is low and the property values in the area have skyrocketed. We don't want to lose our home but feel like we have few options since the lender has railroaded us and keeps us in the dark and giving us the runaround regarding their expectations for getting the home back up to code.
Consumer complaint received 2019-01-08
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 (CA)

I purchased a time share in XX/XX/XXXX from XXXX XXXX XXXX, three total payments of {$1700.00} on XX/XX/XXXX and then two on XX/XX/XXXX for {$1100.00} and {$10000.00} for a total of {$13000.00}. I purchased a time share with trading for another resort using XXXX XXXX. 
I would NOT have purchased if there were no " trading privileges ''. When I tried to uses the service I was told I wa n't a member, " my contract number wasn't valid ''. I called and wrote the company in XX/XX/XXXX to request a refund after being given the phone run around since XXXX of XXXX when trying to book a trade of the unit. 
On XX/XX/XXXX I contacted Capital One to dispute the three charges. Since then these charges have been credited and recharges numerous times. I did receive a letter from XXXX XXXX XXXX in XX/XX/XXXX releasing me of the contract and sent a notarized release on XX/XX/XXXX. I signed, notarized and returned this document on XX/XX/XXXX. When I contact via phone Capital One they explain " it's being investigated ''. 
I FAX copies of these documents to Capital One on XX/XX/XXXX, no reply. I feel when I call, I must start over on the claim. They have assigned various case numbers, XXXX,XXXX,XXXX,XXXX   & XXXX. 

On XX/XX/XXXX rather then submitting a payment, I wrote requesting a final credit of {$13000.00} plus a reverse of any interest of late fees. Finally I like Capital One and would like to use my card again, without resolution I can't continue as their customer.
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reached out to TransUnion customer service and they would not help correct my file by deleting unauthorized inquiries reporting on my credit report. I have reached out on XX/XX/2023 as well as XX/XX/2023.
Consumer complaint received 2022-09-20
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. (MD)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION TO XXXX XXXX XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2016 I have never done business with this company an it has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or CREDIT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The JPMCB CARD XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


JPMCB CARD XXXX
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I initiated my complaint process with Chrysler Capital on XX/XX/2020, after reviewing my credit report and noticing errors with an old account. I sent a letter to Chrysler Capital via USPS Certified Mail requesting supporting documentation regarding the resale of a vehicle. I can confirm that the letter was received on XX/XX/2020, and was signed for by XXXX XXXX. I never received response to my request, so my next step was to dispute this account with the credit reporting agencies ( XXXX, XXXX, XXXX ) as it appeared to me that Chrysler Capital could not verify the requested information. The bureaus properly investigated, but the dispute came back as verified. Not only do they claim to have verified this account, but they have also increased the balance owed and changed the payment history without ever notifying me.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

To whom it may concern : Please find our detailed account of a Bank theft incident below to our business bank account. 

On Thursday, XX/XX/XXXX at XXXXXXXX XXXX, I logged into our business MTBank account to find four web payments pending from our account : XXXX : {$9900.00} XXXXXXXX XXXX : {$9900.00} XXXX XXXX  : {$9900.00} XXXX XXXX {$3000.00} None of these payments were initiated by my company. I also had approximately 140 spam emails in her inbox. 

At XXXX, I called M & T Bank to report the robbery but was informed that online banking support does not open until XXXX. At XXXX, my. partner called the M & T Bank web banking service to report these as fraudulent charges and we immediately changed our passwords for email and banking and ran malware scans on our computers. We were informed by the MTBank investigators that the transactions were made on my login at XXXX the previous evening, XX/XX/XXXX. 

On XX/XX/XXXX, the funds were shown as no longer pending, and had transferred out of our account, leaving us with approximately {$10000.00} in all our accounts. 

In response to the M & T Banks financial crimes divisions advice, we also filed a local police report, FBI IC3 report, and XXXX report of the robbery. We have also worked with our M & T Bank banker to set up two new accounts.

M & T Banks financial crimes division informed us that recovery of the funds is independent of whether M & T Bank determines they will credit our account.

As of today, M & T Bank has still not given us a timeline of when or if the funds will be restored to our account. It is unclear to us why M & T Bank insurance policy has not kicked into action. We as a firm, are vigilant about our cyber security and are the victims of this massive theft to our small business, making it impossible for us to make payroll and threatening our ability to continue operating. 

This is a summary of all the facts, coordination and reporting on this issue to-date.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Klarna AB (NV)

On XX/XX/2020, Klarna credit performed an unauthorized credit inquiry through XXXX using my SSN and identity information that showed up on my XXXX credit file. 

I called Klarna twice to attempt to rectify the dispute, to which they insisted that I am the one that made a purchase and accepted a delivery, of which I did neither. I do not use credit cards and I have subsequently frozen all three of my credit reporting agency accounts. 

Subsequently, Klarna has sent me multiple bills for item ( s ) that I did not purchase. 

I have reached out to Klarna and they insist that I ordered the merchandise, to which I have repeatedly informed them that I did not place an order, request credit, or accept delivery of any merchandise. 

This is/was identity theft and it is not my responsibility to pay the ( approximate ) {$2000.00} due. 

Again, I did not order anything, receive any merchandise, nor did I authorize a credit check for Klarna. 

Klarna 's telephone # is XXXX
Consumer complaint received 2023-02-01
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

An escrow account was created even though I have responded to and included all the info that was needed when the company sent it's original letter which was in XX/XX/XXXX. 

My monthly mortgage payment increased from {$1000.00}. to {$1200.00}. per month without my knowledge for the XX/XX/XXXX payment. 

After one hour on the phone I was assured the problem was solved and a refund check would be issued within ten business days. This was in the middle of XX/XX/XXXX. I am still waiting for the check. 

The mortgage amount taken in XX/XX/XXXX was still {$1200.00}. Calling the company for the third time, on XX/XX/XXXX, I was on the phone for another hour and I hung up in discuss after being left on hold forever. Several hours later, I got in touch with a supervisor who stated she would return my call by the end of the day on XX/XX/XXXX. I sent an email which was not answered by supervisor on Fri. XX/XX/XXXX On XX/XX/XXXX, another email was sent to the supervisor basically saying I was no longer paying the mortgage until I get a solution from the supervisor. She sent an email back to me apologizing profusely and saying she call with a solution as soon as the escrow dept. got back to her. I t is now, XXXX XXXX  on XX/XX/XXXX. I have heard nothing even though the supervisor said she had all the paperwork she needed from me. Supervisor name-XXXX   XXXX Phone # XXXX or XXXX. email address- XXXX.
Consumer complaint received 2022-07-25
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: DISCOVER BANK (MA)

On XX/XX/XXXX, we paid {$610.00} for a sailboat charter with XXXX of XXXX XXXX that we were taking during a trip in XXXX of XXXX in Florida. That trip never happened due to COVID. At the time, the company said they were really struggling due to all the cancelations and gave us a voucher to come back again. We were hopeful that we could make it, but when it became obvious that we simply would not make it back to Florida, and that we really needed that money back, I emailed the company to ask for a refund. The owner emailed me back and said " I will get with XXXX and see what we can work out. '' This was the last I heard from him. He did not reply to any emails through XXXX, regular email, and never answered the phone when I called. 

I filed a dispute with Discover on XX/XX/XXXX. They reversed the charge while they investigated. On XX/XX/XXXX, they closed my case and did not honor the dispute. I recieved an email saying : We've investigated your disputed transaction and have considered all documentation available to us. We were unable to settle the matter in your favor and now consider the charge to be valid. This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your statement. 

When I called to ask why they did not find in favor of me, they said the company did not respond to their request for documents and for their side of the case. They did not answer any calls or respond in any way. It seems that a company simply just has to not respond and Discover will find in their favor. I have been a Discover customer since XXXX over 20 years. There was no consideration for me at all, they just said that since the company did not respond, they can not find in my favor. I understand it needs to be a process, but this does not seem fair. I am the owner of a small business and sometimes we get credit card disputes, but we always have to respond. There needs to be some protection for the consumer and the business. 


Please see attached numerous emails sent to XXXXXXXX XXXX XXXX  XXXX with no response. I know they are still operating as I can see this on XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2020-07-05
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: Navient Solutions, LLC. (IN)

I was notified in XXXX that I was a co-signer on a student loan and that the loan was not being paid. I advised them that I had never co-signed for a loan and asked them to send me the documents. I made a police report for fraud and with the continued phone calls to get me to pay, I contacted an attorney. After 5 or 6 years of my attorney calling Navient and a lot of money, We were able to get 2 civil judgments in court against Navient advising them that the loan was product of fraud and unenforceable against me. Mt attorney sent Navient a letter informing them of this along with the copy of the 2 court orders/judgements. Navient disregarded the courts judgement and continued to pursue me for collection. I was notified by 6 different collection agencies and each time I advised them to contact my attorney that we had judgements from the court. The calls would stop from one agency and started with another until they finally stopped after a year or so. They still report this on my credit reports. It says I am years and years behind ( Late ) and late to the sum of over {$20000.00}. I filed a dispute with all 3 credit reporting agencies several times, including a copy of the court judgements.. I was told they contacted Navient, they advise its good debt, and it stays on my credit report. Navient has completely ignored the judge and his findings. The credit reporting agencies follow what Navient says and not the court. This has been going on since XXXX. I do not know who else to turn to. I have tried Lawyers and credit repair places trying to get this removed and have spent a great deal of money over the years to no avail. This has prevented me from obtaining credit at most places and purchasing items. I have a clear credit report with the exception of this. I pay my bills and my own student loans. Please find attached the letter from my former attorney that was sent to Navient and the 2 court orders/judgements. ** Please note Step 4 would not let me add XXXX. 
Thank you. 
XXXX XXXX
Consumer complaint received 2020-07-05
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: Nelnet, Inc. (NY)

A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation. 

2.

Nelnet list 2 separate account even though I have 1 account and make one payment because loan transferred to Nelnet XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project.

Paying Hotel expenses and mortgate. 
with tototal 30 month rental assistance.
Consumer complaint received 2020-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

My husband and I purchased a vehicle in XX/XX/XXXX! After the down-payment, we financed {$23000.00} dollars! We got a 72 month loan whereas after the loan was paid in full, the amount that was supposed to be paid to satisfy the loan was approximately {$43.00}, XXXX which included the finance charge! Maturity date should have been XXXX, instead, we are still paying this loan with a changed maturity date of XX/XX/XXXX and paid well over {$63000.00} dollars! The problem is 1st, Santander Consumer USA has continually changed the Maturity date of this loan, we've made over 100 payments and after questioning them about these over payments the explanation is not understood! We need immediate assistance in this matter! They've continually changed the maturity date prolonging the pay off even though we've always made more than the amount due where as all over payments went to finance charge and or intrest! It appears this loan will never end with them continually every month changing the payoff amount and date! 
Please help ... 
XXXX and XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2018-12-19
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: Acceptance Rentals, Inc. (GA)

I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$1100.00} OPENED XX/XX/XXXX ACCEPTANCE RENTALS XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX