davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

3rd ATTEMPT On XX/XX/XXXX I signed a refi on my property via a broker and 2 witnesses at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX to be picked up with pout check due to machine problems Picked up check/over XXXX missing told credit score and XXXX mins before closing received call from agency stating credit score slipped more in interest. Demanded closing dics again machine problems, Docs TO BE MAILED. Never received copy of XXXX mortgage or closing Documents/ Finally told ALL DOCS LOST IN HURRICANE WILMA On XX/XX/XXXX a {$160000.00} mortgage closing took place at XXXX  XXXX XXXX XXXX XXXX XXXX without XXXX XXXX knowledge, consent and authorization of any kind. The same notary on the XX/XX/XXXX mortgage is the same notary on the Fraudulent XXXX mortgage. Also present at this XXXX closing was a witness who also participated in the XXXX closing. All done via IDENTITY THEFT I have documents that spell out " A SCHEME TO DEFRAUD '' On XX/XX/XXXX I found out the truth and upon further inspection of the clerk of Court XXXX XXXX found the following facts a, Discovered a XXXX {$130000.00} Mortgage electronically filed b.XXXX  XXXX XXXX Satisfaction pf XXXX mortgage c/Phone call to XXXX  &  XXXX who forwarded an unsigned settlement statement d, Found {$11000.00} theft in XXXX mortgage e. Electronic filing of a fraudulent mortgage to XXXX XXXX Clerk of XXXX Court on XX/XX/XXXX f.After too many calls to XXXX XXXX XXXX was able to bring the XXXX closing Documents safe RETURN from Hurricane Wilma ALL XXXX  pages. g.Confirmation of the XXXX mortgage THRFT was confirmed witg a signed settlement statement that dame back from Hurricane Wilma. And all done with DELIBERATE DECEPTION OF DOCUMENTATIONs. Was I Profiled?
Consumer complaint received 2019-08-16
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. (OH)

Looking at my credit report and checking my loan balances i noticed that all of my student loans through XXXX have a 0 % repayment. I have been paying on them for a little over a year now and the loan balances have gone up and not down! How is this even possible?
Consumer complaint received 2023-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RFNA, LP (TX)

That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
I take my credit very seriously and your lack of professionalism and assistance disgusts me. I am well aware of my rights under the FCRA and intend to pursue them to the maximum I am anticipating your immediate response This letter is a request for the steps that your company took when investigating the disputed items. 
Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. 
Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred. 

you company is reporting this account as an collections when this account has been paid in full and should be reported as such your company is also reporting collections on the same date paid in full? how? when their was never a collections or default? 

provide me the following ; PROVIDE THE FOLLOWING : LICESNES TO COLLECT IN MY STATE ORIGANAL INDEBTNESS CONTRACT WITH MY WET INK SIGNATURE COPY OF THE STATUE OF LIMITATION IN MY STATE TO INSURE YOUR IN COMPLAINCE COPY OF THE PURCHASE AGGREEMENT WITH ALL TERMS ATTACHED FULL ACCOUNTANTING
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX  XXXX XXXX ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 

XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE? 
THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX  DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!! 
TRANSUNION & XXXX ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 


XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. XXXX THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) XXXX. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : XXXX  MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) TRANSUNION VIOLATIONS XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX  DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 
XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( XXXX XXXX XXXX XXXX  CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 



2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX, the Branch manager at the Navy Federal XXXX location seems to be retaliating against me because I attempted to file a complaint against her and her branch for the horrible service I received on XX/XX/. ( My complaint seems to have been sent to XXXX and not her supervisor ) Whenever there is a name change concern, the primary document needed is the Court issued name change form. XXXX is refusing to accept my court document stating that it would only verify a last name change and not a first name change. The Court ordered name change document verifies the FULL old name and the FULL new name. 
By refusing to accept this court document and leaving notes on my account under these inaccurate pretenses this restricts other Navy Federal locations from assisting me. XXXX has stated that the Treasury Direct guideline for branches to cash matured bonds with a name change concern is to be mailed in to be updated/reissued and that is also incorrect. Treasury Direct only requires the names verified at the branch and the old and new name be signed on the back at surrender. XXXX has also claimed that it is Navy Federal guidelines to only cash 3 savings bonds for the life of a customer 's account which is also incorrect. It just seems as though XXXX has taken every measure to assure that I am practically blacklisted from being serviced with cashing my savings bonds.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

I opened Meijer credit card in XX/XX/2018. The initial credit limit was {$500.00}. I made purchases in XXXX that totaled around {$300.00}. I also had XXXX  XXXX that charged around {$8.00} each billing cycle. I was making payments each month to bring down the balance but fell behind a couple payments and was charged late fees of {$30.00} plus a month. These fees ( XXXX XXXX/interest/Late fees ) added up and made the balance {$440.00}. In XXXX the limit of the card was decreased to {$400.00} causing it to seem as if I had exceeded my credit limit, causing damage to my credit score. Is it legal/ethical for credit card companies to decrease a limit and creating an over the limit scenario?
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XXXX {$510.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$620.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$620.00} Ive contacted the company moneygram several times on XX/XX/XXXX & XXXX when I noticed these transactions made through multiple cards and reported them as a scam. I did not authorize these transactions & believe someone was impersonating me. I have never been affiliated with moneygram & have never used their services. I did receive an email in return that specified that they would not refund any and all charges.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

My chase account was hacked on XX/XX/XXXX and someone added my debit card to their XXXX XXXX. I received an email stating such and immediately called Chase fraud. I asked them to shut off my debit immediately but before they did the person who stole my info took {$1000.00} out of an atm in downtown XXXX ( I live in a suburb ) ans then did two transactions at XXXX sports totalling just over {$600.00}. I have spent weeks and a dozen phone calls with Chase and they finally gave me the atm money back in my account but it didn't happen until XX/XX/XXXX. In the meantime, three times now they have denied the XXXX transactions even thought it was immediately after the XXXX atm ones and keep telling me I authorized them. I didn't. I have an android and would never own an apple product. Nobody in my family gas XXXX products or XXXX XXXX. I never gave out my card information or the banking information. Even my husband could not login to my bank accounts. Now, by XX/XX/XXXX Chase is about to pull the funds again ( it was a temporary credit ) because I didn't provide enough information ( per the last phone call to them earlier this week ). I'm so over this bank and all of the fraud that has impacted. Y life over the last 9 years because I bank with Chase.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AL)

I called XXXX XXXX Services at XXXXXXXX XXXX on XX/XX/XXXX. They took my information, and offered to settle for {$270.00}. Then, then they sent a notice to our estate 's attorney specifying the full amount of the debt, which I strongly suspect was a violation of the Fair Debt Collection Practices Act, and was certainly unethical. 

Their reference number on the notice was XXXX.
Consumer complaint received 2023-06-28
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent Please delete
Consumer complaint received 2023-06-28
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: SECURITY FINANCE CORP (IL)

I have received a false credit inquiry on my XXXX credit report by a company called : Security Finance. The brick and mortar store shows to be at XXXX XXXX XXXX, XXXX, XXXX, XXXX. I received the notice through XXXX and consulted with a Fraud Restoration Specialist through XXXX at XXXX. She tried contacting Security Finance on the phone number provided but received nothing but recordings and directing her to a website. The website provided instructions if a credit dispute is required which simply requested a letter in writing to : Consumer Reporting, XXXX XXXX XXXX, XXXX, SC XXXX. I have written a letter via certified mail requiring Security Finance to remove the hard credit-pull from my credit history. I, nor my family, have instigated any reason for ay type of credit pull on our part or against my name.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Looking at my credit report are we going by the FCRA laws or not? Under XXXX USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXXXXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on Equifax, XXXX, and XXXX SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on Equifax, XXXX, and XXXX XXXX Avant - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on Equifax, XXXX, and XXXX XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on Equifax, XXXX, and XXXX XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on Equifax, XXXX, and XXXX XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on Equifax, XXXX, and XXXX
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I opened an account with Citibank on 2017 for an XXXX XXXX card. It had an annual fee of {$95.00}. However at some point in the last 2 years they transitioned the card to something called Citi Premier Card which had none of the rewards or any connection to XXXX. Rather than informing me, they kept billing me {$95.00} despite the fact that I had not signed up for that card and was not getting any of the benefit of the XXXX card. 

Last month I closed the account and was promised that the {$95.00} annual fee would be returned. However, I found out today that despite that promise the {$95.00} fee was still applied despite the fact that I had closed the account and had never used the premier card.
Consumer complaint received 2023-06-28
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. (PA)

In accordance with the Fair Credit Reporting Act. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 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 written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hello, today I recevied a suspicious debit card from a mailer claiming to be Bank of America with advice to call a number to activate the card. 

I do not have any bank of america accounts or loans. I tried contacting both a boa a branch and fraud number. I can not get assistance as the demand my ssn or account number. I am not giving them my ssn as that is the same information the fraudsters require. Without a ssn or account number, I can not speak to a human being at boa. I can not get by the recording!! 

Help please!!
Consumer complaint received 2021-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX on my equifax.com report there was debt collection which I did not recognize. I disputed this debt with equifax. After investigation they stated it belong to me. I contacted the deb collector who informed me it was for XXXX XXXX in XXXX. I informed them that I have had continual insurance for 20+ years and provided them with my health insurer XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute again with equifax.com and provided equifax with my XXXX XXXX XXXX information. I let them know that I do not belive this debt is mine but if it is then they can bill my health insurance.. The dispute is still showing as PENDING INVESTIGATION today XX/XX/XXXX. I called equifax who informed me that that dispute is CLOSED and they filed a new dispute via phone. Investigation should take no more then 45 days. We are going in a loop with Equifax of filing same dispute in circles.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Per 15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The account from XXXX XXXX  XXXX falsely reports this account with all reporting agencies, to varying reporting information. You are reporting this account monthly CHARGED OFF as of XXXX. XXXX XXXX  issued me a 1099-C on XX/XX/XXXXXXXX   which establishes this account as taxable income. Income is NOT reported to consumer reports, thus, your reporting is a violation of the FCRA. 

This bureaus did not complete an investigation under 15 USC 1681i and the information reported inaccurate and violates the compliance guidelines set under the FCRA. 

XXXX  reported completing an investigation, however, the date the information was LAST verified was XXXX 

Equifax and XXXX did NOT provide me results as requested. XXXX made the baseless claim that my dispute did not come although the letter was addressed directly from me.