davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

As Previously explained I have a charge off account for XXXX XXXX XXXX that doesnt belong to me for an amount of {$1000.00}. Another account Im being held responsible for due to identity theft!
Consumer complaint received 2022-08-07
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: EQUIFAX, INC. (NC)

I've been in touch with all XXXX bureaus since XXXX about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

I was contacted by a " friend '', XXXX XXXX, on XXXX and he asked if I saw his post that you could earn money. He told me to contact XXXX and she would help me to earn money. I contacted a mutual friend and he confirmed this opportunity was real. XXXX asked me to send {$1000.00} via XXXX ( XX/XX/22 ) which I did and she said let 's continue talking via XXXX. Next she said congrats you can withdraw the money but first I needed to join XXXX I created an account and then they started sending emails. At this point I saw money they deposited to my account, {$1000.00} and they sent a code to my email but it didn't work. I contacted XXXX and she told me I needed to send {$1500.00} in order to get my money out and this would put me on a higher " level ''. I talked to my friends and they confirmed this was " so real ''. I'm thinking this really is my friends and didn't realize my friends had been hacked. Since the code didn't work, XXXX told me to go an ATM and send the money through XXXX. The machine didn't work so a friend helped me by letting me deposit into his account and then send the {$1500.00} through his XXXX Then I called my friend XXXX through XXXX and found out it was NOT him and that several of his friends went through the same thing. I continued to receive texts to send more money but I did not send any more. I realize now that because I need money it was easy form them to play on my emotions.
Consumer complaint received 2022-04-13
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

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

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXX XXXX  XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Inquiries 1. XXXX  XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX  XX/XX/XXXX 11. XXXX  XXXX  XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-25
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was reported 30 days past due on my XXXX XXXX vehicle lease. I could not determine why and what the error may have been therefore I continued to pay what was asked to avoid any further damage to my credit. Today, on XX/XX/XXXX I received a check for {$470.00} that was a result of a " file review '' ( attached ). With said check being received it is apparent that there was some issue with my file. I will accept the refund but I will also like the 30 days late marks removed from all three of the credit bureaus and my file permanently.
Consumer complaint received 2022-07-31
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: CBC Companies, Inc. (TX)

In Accordance with the Fair Credit Reporting Act XXXX Reference # 's XXXX and XXXX has violated my rights.

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.

I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. 

Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. 

I will not accept another reinvestigation of the information Only deletion of the information
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

XXXX XXXX AND MR COOPER COMMITTED WIRE FRAUD ON XX/XX/XXXX ... 
At the direction of XXXX XXXX, XXXX of Mr Cooper lied on the phone and said they were taking 4 payments and billed me for 3 @ XXXX plus one @ XXXX plus service fees for a {$3800.00} total. For the sixth time at MR XXXX XXXX 's direction Mr Cooper decided to steal a payment to make up for illegally added fees. We will be filing an additional criminal complaint in the state of Florida, and also re-energizing the dormant case since statute of limitations do not apply to out of state crime if this is not reversed immediately. 
MR COOPER LOST A CLASS ACTION SUIT ... WE ARE A PLAINTIFF ... WE REQUEST IMMEDIATE CANCELLATION DUE TO SHORT SALE ... We are exercising our right to loan cancellation when fraud is found and admitted. Nationstar admitted guilt,,, this is not a debate. 

WE REQUESTED A COPY OF THE WIRE FRAUD,,, ONCE AGAIN THEY REFUSED TO COMPLY ... THEY KNOW THE DATE OF THE CALL .... XXXX XXXX and Mr Cooper has serious honesty issues,,, The entire CFPB response was fraudulent. 

MR COOPER IS FULLY AWARE OF LOAN ORIGINATION FRAUD SINCE THEY WERE THE PARTY TO DISCOVER IT ... COVERING IT UP IS A FELONY IN FLORIDA ... XXXX XXXX is fully aware of the 30 day rule on correct loan origination documents. He Conspired with XXXX XXXX to commit XXXX mortgage fraud in Florida. Apparently they think we are joking on a criminal prosecution. I will be filing a criminal complaint tomorrow. 
NATIONSTAR AKA MR COOPER HAS REPEATEDLY TRIED TO STEAL HOUSE PAYMENTS FROM US ... ATTACHED IS A THEFT ATTEMPT IN XX/XX/XXXX ...
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (TX)

I have disputed several accounts from my credit report with XX/XX/XXXX Experian, and XX/XX/XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/2022 starting at XXXX XXXX CST XXXX transactions processed on my Chime debit card account ( Chime Financial Bancorp ) that were not authorized. I immediately got Chime fraud department on the phone to report the charges. While I was on the phone with Chime XXXX more transactions processed before they would even block the account. All XXXX transactions were United States companies as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX total XXXX. I was told by Chime fraud supervisor XXXX that I couldn't file a dispute until the transactions cleared, which happened on the morning of of XX/XX/2022. At XXXX XXXX I called Chime and filed the disputes for each transaction and obtained a case # XXXX. Starting on the evening of the XXXX and finishing up on the morning of the XXXX, I have spoke with local police ( and provided visual proof of possession of the card ) and filed a police report, Filed an FTC Identity Theft report ( report numbers available if needed ), and called and spoke with all of the companies who received funds and completed any tasks they request I complete. I obtained documents and phone discussions and phone numbers and contact persons ( and verified with each company that I had no acct with them ) and uploaded all documentation to XXXX along with photo i.d . social security card and an image of the Chime card. No surprise that Chime has already DENIED that any ERROR took place. ( This was not reported as an error it was reported as theft and fraud ). I received the denial email at XXXXXXXX XXXX on the XXXX. I immediately called back to Chime Fraud ( and resent ALL documentation via email to them ) and requested a Rebuttal and that they verify receipt of the emails I sent. Receipt was confirmed on the call and supposedly the case is reopened. I can't verify that as the status in the Chime app still shows closed, but my call was documented. I am in utter disbelief at the process this " bank '' utilizes to handle reporting unauthorized transaction reporting. And I am shocked that they have denied the investigation request. I will most likely have to call again to verify that the case was reopened and any investigator has reviewed this request. I will need help obviously as this isn't being taken seriously.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

PMI removal. Submitted the lender 's appraisal dated XX/XX/21 to PMI group and asked for PMI to be removed from my mortgage payments. Asked for XXXX and XXXX PMI amounts to be applied to outstanding fees on my loan. 

I was told that PMI is paid in arrears. I know for a fact that PMI keeps 2 months of PMI in reserves for each loan. There should be no PMI paid in arrears. 

Requesting the {$210.00} for XXXX and XXXX to be applied/refunded to me. 

The lender 's representative said this was not allowed due to being paid in arrears.
Consumer complaint received 2021-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One lied and did not remove the negative impact to my credit report. 
They are also trying to put my business credit card past due again, despite us being shut down due to Covid and confirming that they would via email.

So in 7 days I will get ANOTHER False negative report on my credit. I'm very upset that I'm being treated this way and they are sending me false letters and not followingthrough with what they say and negativly impacting me. 

This caused me to be unable to refinance my properties as well as get a home loan due the negative flags on my credit in 2020 after 8 months of calling this is still an issue. 

They have consistently refused. 

This is the original Complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I paid this account with Navient and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX but it is still showing on my XXXX and XXXX credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Jet Direct Funding Corp (NY)

I am writing this complaint about this mortgage company called Jet Direct Mortgage. I applied for a mortgage with them since XX/XX/2020 and it took them forever to work on the case, very unprofessional and incompetent. In the end, I ended up losing the deal and wasted time and money at their fault. 

The loan processor and also branch manager ; XXXX XXXX couldn't even do a simple Debt to income ration calculation and kept on telling me I wasn't qualified for the loan meanwhile the formula is everywhere and I was more than qualified. 

My complaint is all together I have lost more than {$2000.00} attorney 's fee etc ... what action can I be taken against them? Also should someone that can not even do a simple DTI calculation be licensed to do this job? XXXX knows how many people she has turned down and make waste time and money which are two things we value.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

I have written several disputes to Credit Collection Services, which they have not responded to, a violation of the FCRA. they have failed to validate a debt at my request, a violation of the FDCPA. Credit Collection Services is required by law to provide me, the consumer, with information reported about me to the credit bureaus in accordance with the above stated laws. Please help me!
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc (LA)

This company has called my phone multiple times under different phone numbers and using different agents requesting that I confirm my name, address, and DOB. When I requested why the need for my personal information, they only state that it is a " personal matter between myself and my mom ( they use her given name instead of stating XXXXyour mom ' ) ''. Due to security risks, the very vague answer, and being unfamiliar with their company, I blatantly refused to provide any information unless they will tell me what the so-called personal matter is. They also threatened to call my mom. I refuse to allow my mom to be harassed by them as scammers have called her in the past resulting in her having panic attacks. They have also been known to call during my standard work hours of XXXX to XXXX which puts my job at risk.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2021-01-25
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Carrington Mortgage intentionally reported my account 120 days delinquent while on a trial payment period. I was making the monthly trial payments and received nothing in writing to confirm the payments. This company has sent me regular bills for an amount that does not reflect the trial payments, nor the payments deferred per the CARES act. I have called and emailed a supervisor, XXXX, on numerous occasions. I have received conflicting advice and opinions each time. I was told that the credit reports would be corrected, but they weren't. I was told the loan modification is complete but received a bill with an amount due of {$29000.00}. This company violates the basic rules of customer service. Each call is a dramatic episode where NO ONE know what they are doing and every word conflicts with the other. I would like help in order to correct my credit report and ensure this company isn't taking advantage of me and fraudulently places my house into foreclosure.
Consumer complaint received 2022-03-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NC)

I called Navient today - XXXX XX/XX/2022- to try to delay my private student loan payments until I can find a full-time job. Navient refused even though I told them I was only making around {$300.00} a month doing part-time work. I was fired from my job in XX/XX/2022. I have been looking for work and have applied for over XXXX jobs, but with my XXXX, XXXX, religious/philosophical convictions, and XXXX I have not been able to find full-time work. I just got off a 6 month interest only loan payment option, but explained to Navient that if I made ANY payment over $ 200/month I WILL BE XXXX  IN A FEW MONTHS! NAVIENT DOES NOT CARE AND TOLD ME THERE WAS NO MORE FOREBEARANCE TIME ON MY LOAN! This was their only option. The last time when I mentioned my XXXX, THEY TREATED ME LIKE TRASH AND SENT ME A FORM TO FILL OUT TO CANCEL MY LOANS, WHEN I AM NOT ELIGIBLE FOR XXXX FOR MY CONDITION - MY XXXX ONLY IMPACTS THE TYPE OF WORK I DO- IT DOES NOT MAKE ME PERMANENTLY XXXX! 

NAVIENT HAS VIOLATED MY CIVIL AND HUMAN RIGHTS! THEY HAVE TRIED TO MAKE ME FEEL LIKE A WORTHLESS PIECE OF TRASH! XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit 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)

On XX/XX/18 at approximately XXXX I purchased an airline ticket with my credit card ( an Apple Card through Goldman Sachs ) from XXXX XXXX  XXXX for a flight at the end of the year. Within the hour I called back and requested to cancel the ticket as is within my rights as it was a flight governed under the Transportation Administrations regulations. Unfortunately I was forced to call as XXXX systems would not recognize my reservation in their portal, I assume that I made the cancellation too quickly for their system to have saved the reservation. I was in the phone with XXXX for XXXX minutes with the representative XXXX. I received a confirmation number and awaited my refund. 
However, XXXX denied me a refund so I followed up with a charge back. While I asked Apple Credit Card support for the status and if I could provide documentation for the incident I was told they would send me an email which I never received. Eventually they denied the claim as well without ever taking my input and my documentation. To be clear I requested explicitly to upload my documentation of the events once the vendor responded but the case was closed same day before I could respond. 
The dispute in question is Apple Card ( Goldman Sachs ) Dispute case number : XXXX After the denial I resubmitted the claim, and filed here with the CFPB. 

Below is a summary of the Department of Transportations guidelines regarding these transactions for your convenience : Cancelling a Ticket Reservation or Purchase within XXXX hours of Booking For airline tickets that are purchased at least XXXX days before a flights scheduled departure date and time, airlines are required to allow consumers to cancel their reservation and receive a full refund without a penalty for XXXX hours. 
The airline is required to return the funds promply, prompt is defined as being within XXXX business days if a passenger paid by credit card.