davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (HI)

I am not aware of this debt and was not given the opportunity to dispute it. I did not receive proper notification regarding this debt. If you believe that proper notification was sent, please provide proof of delivery, such as certified mail receipts. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ), it is my right to receive this notice within five days of the initial communication. Placing this debt on my credit report without providing proper notification within the required five days is a violation of my consumer rights.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon possible : Name of Creditor/ synchrony care credit There is a serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within 30 days.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

1. Mortgage sold by XXXX XXXX XXXX to the XXXX office company ( Nationstar Mortgage LLC ) in XXXX Texas. 
2..Loan Documents provide a period between the XXXX of the month until the XXXX of the month within which payments received are NOT considered " Late '' ... .Nationstar Mortgage LLC disputes this part of the loan documents. 
3. If a payment was received during XXXX and XXXX, I, XXXX XXXX, Home Owner, consequently would receive phone harassing phone calls form Nationstar Mortgage LLC, demanding payment, at once, or legal action would be taken by Nationstar Morgage LLC against me. I had as many as XXXX phone calls on the XXXX of the month demanding payment. 
4. Once again, the loan documents allow payments to be received any time between the XXXX of month and the XXXX of the month without being considered " Late '' ... ... 
5. I filed a complaint with the XXXX and the XXXX issued an order cease order that forbid the phone calls demanding payment, at once! 
6. Today, Nationstar Mortgage LLC posted a notice, in retaliation for my BBB complaint, denying me access to the mortgage records on their Wed Site ( Transferred from XXXX when the Mortgage was sold ) .. Furthermore, the notice forced me to deny the results of the XXXX order pertaining only to the Phone harassing phone calls ( by forcing me to click on the Opposite target of the notice from my desired answer ) in order to gain access to the information on the Nartionstar LLC web site about my account. 
7. I, XXXX XXXX, home owner, urge the Agency to investigate the operations of Nationstar LLC..
Consumer complaint received 2024-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IN)

As of this year, the department of education determined that the for-profit college I attended, the XXXX XXXX, had defrauded its students and would cancel the federal loans from those schools. 
Navient, in response to mounting pressure from lawmakers, decided to launch a debt cancellation program for students that attended those schools but had private student loan debt. 
I am writing to formally complain that Navient has not contacted me whatsoever in regards to my eligibility for this misconduct form application. In fact, they only harass my cell phone to collect on the debt that I have long not paid ever since I was denied dismissal of the loans from a prior settlement through Navient. I was denied from that previous settlement only because I had continued to pay the loans even though I met all other criteria for loan cancellation. 
I wish to be sent this application to apply for cancelation of the private loans from the XXXX XXXX.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/XXXX. My business checking account, with a balance of just over {$160000.00} was closed without notice and the account balance is now {$0.00}. I noticed this on the morning of XX/XX/XXXX and immediately called Capital One to understand what had happened. 

I talked to a XXXX and was told they did not know the reason or when/ if I would get my money. I asked to speak to a supervisor and got the same information. She said a letter would be mailed to me. I asked to speak to her supervisor and was told no. She was the highest level I was allowed to talk to. I asked to talk to the back office, who apparently would know why this has happened. I was told no. I asked her to find someone internally that she could talk to while I waited. She said no. The best she could do was send an email to the back office that would be answered in 7-10 business days. 

The account was opened on XX/XX/XXXX. Multiple withdrawals and deposits have been made since with no issues right up to XX/XX/XXXX. I don't understand why the account would be closed after being open and working with no issues for 3 months. This is a business checking account for a restaurant. After they verified all the company info, what possible reason could there be to close it with NO explanation. 

I'm trying to run a business and my money is gone and I have to wait on a letter to even know what is wrong. If there is a legal reason they needed to close the account, I get it. What I have a HUGE problem with is not knowing where my money is and not being able to find out what the issue is while having to wait on the US Mail to get the reason. I have to make payroll, rent and mortgage payments at the end of this week and next. I am not going to be able to pay all my bills this week.
Consumer complaint received 2024-08-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CO)

1. XXXX XXXX account that was created by my ex husband. He used my social security number to open the account used his email & new phone number ( the number they gave him ) so I was never notified. He stopped making payments it went to collections & I seen it on XXXX along with another account 2. XXXXXXXX  account was created by my ex husband after he couldnt use the XXXX account anymore he got a new phone with another phone service using my social security number again because it worked so well the last time. 
I tried contacting both. One wouldnt give me any information the other one gave me his email details which is quite literally his name.
Consumer complaint received 2024-08-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION (GA)

My mortgage with Truist Bank was closed on XX/XX/year>. Truist bank went ahead and auto deducted {$900.00} from my checking account. When asked where the money is, no one had any idea, and I still have no clue where the money is. Truist bank spun me around, created wrong case for us, asking for affidevit if the money was fradulantly taken out and never refunded by the bank. I need the money refunded to my account. And Truist Bank needs to stof practicing this illegal activity.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$810.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Starting around XXXX of XXXX to XX/XX/XXXX. I started noticing unauthorized purchases on my Chase Bank Amazon account and other Vendors totaling {$3200.00}. When I contacted Chase, they referred me to Amazon for answers, and they bounced me back and forth for several hours between there customer services without no satisfaction and have refused to investigate or return my funds. Amazon could not even tell me where these services or products were delivered to.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MN)

Macy 's straight stalks me to shop because I am VIP I get offers daily when I go to utilize them then my orders are always canceled they gave me some cockamamie story about the system then after spending hours on the I am still not help then I have to go through the automatic. Today one of the overseas counter part block my number because I cussed him out after he said your the one calling me and you need me I don't need you, I said what the XXXX did you say you do need me in order to have a job. I was told by the fraud dept that they always honor the rewards points. They are also reporting to the credit bureau like I am maxed out and I am not It has been more than a week and they still have XXXX tied up in authorizations and they reported my limits wrong to the credit bureau as higher and the agent that got smart with me needs to be FIRED. YOUR OVERSEAS help do not care about Macy 's customers. I tried to get a credit limit increase no good. I need someone in power to call me or else I will be closing this acct.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I paid the traffic ticket company, XXXX XXXX, {$170.00} to get my traffic citation dismissed. They advertise on their website that they rarely lose these cases and if they do lose and you are found guilty, they will refund the service fee. On XX/XX/XXXX XXXX XXXX  completed the document they advised me to submit to the court for my citation to be dismissed and I submitted them along with additional fees for the citation. On XX/XX/XXXX I received a guilty verdict from the XXXX XXXX XXXX house and on that same day I provided this info to XXXX XXXX  who promised a refund if you are found guilty. XXXX XXXX then requested proof of my guilty verdict even though the entire time they can log in to the court house portal and digitally see the verdict because the entire time thats where they were seeing my info from the court. I provided XXXX XXXX  a photo of my guilty verdict the same day I received it. On XX/XX/XXXX I asked for an update on my refund and XXXX XXXX responded to this question on XX/XX/XXXX stating I should get a refund in 10-14 days. I NEVER RECEIVED ANY FURTHER COMMUNICATION NOT REFUND FROM XXXX XXXX  THIS IS A SCAM COMPANY. On XX/XX/XXXX I filed a dispute with my bank for the service fee refund and provided them with all documentation from every step of this situation including the emails of XXXX XXXX  saying I should get a refund in 10-14 days. On XX/XX/XXXX Capital One denied my dispute in favor of XXXX XXXX even though I provided proof I was supposed to get a refund including the promise to refund advertised on their website. NO ONE IS HOLDING THIS FRAUD COMPANY ACCOUNTABLE.
Consumer complaint received 2024-08-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

XX/XX/24 {$260.00} {$88.00} XX/XX/24 {$120.00} {$40.00} XX/XX/24 {$59.00} some one was using my credit card fraud department call me about suspicious charges, and I check all my purchases and tell that charges unauthorized they send me a new credit card and credit this charges but XX/XX/24 they reverse this charges to my statement I don't suppose pay unauthorized charges
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (GA)

Have been calling Ally Bank to get an emergency extension due, to my vehicles engine was damaged. Car has been in the shop for more than a month due to engine failure although vehicle is now fixed and got the vehicle back a week ago, had to miss time from work due to this issue and this caused me a financial burden with my other bills that I almost was facing homelessness. Ive asked for an extension back in XXXX and was denied for my XXXX, XXXX, and XXXX fee that was due. Im unable to catch up until XXXX and have called Ally and explained this situation and theyre still denying me for an extension. Its not like I dont want to pay my bill, this situation has caused me a hardship in my life and theyre not understanding or helping in any way. This was not my fault that this happened to my vehicle and they should be more understanding of my situation and approve my request for an extension. I am wanting to speak with someone with power that can resolve my issue.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NY)

My XXXX credit card issued by Synchrony Bank was closed on XX/XX/year> overnight for no reason. When I called customer service XXXX at XXXX on XX/XX/XXXX, a manger XXXX from the XXXX  told me the bank forfeited my {$290.00} cash back and that makes perfect sense.
Consumer complaint received 2024-08-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (TX)

XXXX has not resolved my dispute about the debt that has occurred in XXXX their are closed accounts from Santander I've disputed addresses that I've never lived and some out of state debt that is being charged in my name from XXXX XXXX .I 've disputed 11 hard inquiries that I didn't have any knowledge about when I reached out to XXXX disputing the claims no action was taken and I've been fighting my disputes since XXXX starting around XXXX and it's now XXXX XXXX and the disputes sill remain unanswered
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I had XXXX {$200.00} charges to my debit card from multiple XXXX locations. My bank app says these charges were made in person, and Chase stated that they looked like legitimate charges because none of my account info changed. Chase told me an XXXX XXXX account was added to my bank account, even though i havent owned an XXXX  in many years. I recently received a letter from XXXX stating that they had a data breach and some of my personal info, including card info, had been accessed by an unauthorized person. So clearly someone used my card info to make these charges, I believe they opened an XXXX  XXXX  account in my name and used my card info to make these charges. 

The charges were all made in XXXX day, from stores in Missouri, Pennsylvania, Virginia, and Ohio. I live in XXXX Illinois and dont own a car, so there was no way for me to go to all of these stores in XXXX day. 

The store locations are : # XXXX, XXXX, MO. {$200.00} # XXXX XXXX, PA. {$200.00} # XXXX XXXX XXXX, OH. {$200.00} # # XXXX XXXX, PA {$200.00} # XXXX XXXX XXXX, PA {$200.00} # XXXX XXXX, PA {$200.00} # XXXX XXXX, VA {$200.00} I called XXXX on XX/XX/XXXX to file a complaint of fraud charges and have not heard from them since.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NY)

My Venmo credit card issued by Synchrony Bank was closed on XX/XX/year>2024 overnight for no reason. When I called customer service XXXX at XXXX on XX/XX/XXXX, a XXXX XXXX XXXX XXXX told me the bank forfeited my {$290.00} cash back and that makes perfect sense.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

Hello, I had a mortgage with XXXX XXXX XXXX my mortgage company sold my mortgage to Mr Cooper effective XX/XX/XXXX, I have been paying my mortgage on time and have never been late and was told nothing on my mortgage changes, hence I started paying Mr. Cooper. In XX/XX/XXXX I had a fire in my house so I have not been living there since. In XXXX I went to do a wellness check, I noticed a retaining wall in front of my house was damaged by a few recent storms we had so I proceeded to call the insurance company XXXX who is currently handling the fire claim and was my insurance company. They stated my insurance lapsed XX/XX/XXXX of XXXX due to non payment. As stated I have been paying my mortgage on time and the money for insurance and taxes are escrowed. My new Mortgage company Mr. Cooper never paid my insurance company to renew my insurance. I called Mr cooper and they stated I have to call XXXX insurance, which I didnt understand, however figured along with mortgage companies my insurance company changed as well maybe. XXXX is XXXX XXXX which was in Mr. Coopers system. XXXX told me my insurance lapsed in XXXX of XXXX. Mr Cooper didnt even know XXXX was my insurance company and the wrong information in their system. I then contacted my insurance agent XXXX XXXX and asked him what to do next and he spoke with still water, still water stated for insurance company to overnight the premium payment and theyll underwrite the same policy. However XXXX later rejected the insurance policy. Now I cant find any comparable policy for less than 400 % my previous policy. Currently I dont have homeowners insurance and Mr cooper is saying if I dont get coverage theyll find it for me at XXXX XXXX XXXX XXXX. Please help! Not fair.