davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

We held a mortgage in good standing with XXXX XXXX Mortgage for over 12 years. In the fall of 2014, they sold our mortgage to Nationstar Mortgage. The transfer was rough on the Nationstar side ( no communication and lack of reps that could see the transferred loan in their system ) but we did n't miss a single payment. 6 months after buying our loan, Nationstar is advising we have negative escrow and want a {$5800.00} check now or a {$470.00} increase to our monthly mortgage payment for the next year. Problem is that we never had an escrow account with either XXXX XXXX or a new one with Nationstar. After sending it to their escrow research department XXXX times ( the first time the rep said he would log it but did n't so their records only show XXXX attempts ), we get the same form letter with the same demands every time. Our choice now is to damage our credit or pay almost {$500.00} a month extra in mortgage for a debt that XXXX XXXX added to the end of our loan period. 
Additionally, our mortgage was an ARM that could only be adjusted during the first XXXX quarters of the loan. That time limit has come and gone under the XXXX XXXX term. Now Nationstar feels they have the right to adjust the rate every 6 months over the remaining life of the loan which was never the terms of the original mortgage. How is our mortgage allowed to be sold and the new mortgage lender not follow the terms of the original mortgage? We have not entered into any subsequent or amended agreement with Nationstar and had no say in the matter when they purchased our loan from XXXX XXXX.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, XXXX XXXX, Badge ID # XXXX and FTC case # XXXX. This account is not mine and is from ID theft. 
I never had XXXX and have been with my current cell provider for 10 years. 
This collection company is reporting this account opened XX/XX/XXXX and when I called XXXX they said the account is over 7 years old. So this collection company changed the date in order to try and collect a very old account which is in violation of the Fair debt collection act.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (GA)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$340.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

Months ago I discovered that I have been a victim of XXXX XXXX again. I currently have and had in past fraud alerts on my credit but yet it is still being compromised. I have created police report, ftc report, affadavit letters along with all supporting documents. I sent documents to credit bureaus and issuers of the credit accounts that were fraudulently opened on my behalf. I reach out to here as the companies and credit bureaus do not want to abide by the fair credit act and remove these fraudulent items from my credit report as it is hindering my life.
Consumer complaint received 2024-05-15
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: NAVY FEDERAL CREDIT UNION (TX)

As Requested : My reservation # was XXXX for {$2.00}. The vendor has now purged the receipt from their website. I am suppose to be protected against fraudulent charges. The XXXX needs to pull the reservation number from the vendor XXXX I sent a portion of the receipt which was not accepted. I did not agree to the {$30.00} charge nor did I sign for it. I agreed to the {$2.00} charge. The vendor fraudulently added an additional {$30.00} to the charge. I have made numerous attempts to work with the vendor to no avail. The Credit Card Company has the documents that I have submitted to them. I also included my XXXX XXXX XXXX which gives me entry into all XXXX XXXX. I discussed the situation with the XXXX XXXX and was told that I should not have been charged for the {$30.00} XXXX entrance. The {$2.00} reservation charge is valid. i am not contesting the {$2.00} charge. 

Subject : XXXX XXXX XXXX - XXXX - {$1700.00} Dispute a Recognized Card Charge Navy Federal Response XX/XX/year> : Thank you for using Navy Federal 's eMessaging Service. We have received your documents and upon further review they are not sufficient to move forward. We are happy to reopen your dispute claim for review with the following documentation : Acknowledgement/receipt from the merchant regarding a credit or refund. 
Full copy of receipt as the email confirmation provided does not contain any information to identify it with the merchant. 

You may attach your documents to this eMessage. We look forward to your reply.

The Credit Card Charge Disputes is available Monday through Friday, XXXX XXXX pm XXXX. If you have any questions, please send us an eMessage or you may call us at XXXX. 

Sincerely, Credit Card Dispute and Resolution
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that. 1. INQUIRIES : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX Please remove this inaccurate information from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX REMOVE THESE ADDRESSES AS THEY ARE NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: KEYCORP (NY)

XXXX XXXX XXXX, XXXX has been contacting me on behalf of Key Bank. I called and made a settlement with XXXX, got the settlement in writing ( which I can provide ), went to pay the settlement in the agreed amount online and was told my account was closed with XXXX, even though it was before the payment date that was agreed upon in the settlement agreement. 

I called XXXX many times to talk with someone about why it was happening, and that we made an agreement, and they said to talk to Key Bank. I called Key Bank and talked with several different people who did confirm that XXXX does collect for them, but couldn't tell me anything about it because they didn't have any thing on file about it. They suggested calling XXXX and demanding that I be allowed to pay the settlement amount. I did so and even asked several times for a manager, but was either hung up on or told to call back again and again.
Consumer complaint received 2024-05-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: MORTGAGE SOLUTIONS OF COLORADO (MI)

XX/XX/year>, after reviewing my payment breakdown I noticed a charge of {$99.00} for XXXX. I called and requested it be removed. After weeks of no change and no updates. I am submitting this complaint. This company needs everyone of its VA loans audited to ensure no other Veterans are being scammed by this charge.
Consumer complaint received 2024-05-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Opened Merrill Lynch online brokage XXXX account through local XXXX  XXXX XXXX referrals a year ago, everything worked well until XX/XX/2024 when I found there are several unauthorized fraud online transfer transactions, called Merrill customer service and reported the issue. 

Merrill customer service rep worked with their fraud department on this issue, they initially said relax it should be protected, it just take time to get the money back since need to work with the other receiving banks. But after 3 months, they now saying the other receiving bank didn't respond, they can't get my money back.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (CA)

I am writing to express my dissatisfaction with the continuous {$29.00} Returned Item Fee charges by Navy Federal Credit Union on my account from XX/XX/2023, until XX/XX/2023. Despite my account being locked and my credit card being under a credit consolidation program to pay back debt, Navy Federal Credit Union repeatedly charged this fee in XXXX, XXXX, and XXXX of 2023 without providing any explanation or prior communication regarding the charges. 

The total sum of {$200.00} was reached due to these repeated charges, which XXXX XXXX has now sent to a third-party collections company. I am deeply concerned about why XXXX XXXX continuously imposed a {$29.00} fee without any clear communication or justification for the charges. As a customer, I believe it is essential for financial institutions to adhere to transparency and provide clear explanations for any fees incurred. 

Furthermore, considering the new regulations introduced by the XXXX administration XXXX junk fees, I strongly believe that the continuous imposition of the {$29.00} XXXX XXXX XXXX without proper communication falls into this category. I am disappointed by the lack of clarity and communication from Navy Federal Credit Union regarding these charges. 

I kindly request a thorough investigation into this matter and urge Navy Federal Credit Union to provide a detailed explanation for the continuous {$29.00} fee charges. Additionally, I would appreciate a review of the fees imposed and a reconsideration of sending the accumulated amount to a third-party collections agency.
Consumer complaint received 2021-10-15
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: JPMORGAN CHASE & CO. (TX)

I purchased optical equipment that turned out not to be compatible with my equipment. After several discussions with the vendor, he agreed to issue an XXXX and I returned the equipment. I have proof that the gear did indeed go back to him in that I have the XXXX tracking number and the receipt showing that the delivery was insured. 

My bank, Chase, has come back after 5 months and rebilled me for the equipment and wants me to pay for the gear because they say the vendor 's bank is refusing to issue the refund.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (SC)

XXXX  XXXX XXXX charged off my credit card. I filed complaint XXXX with your agency that it was being reported on my credit beyond the statute of limitations. 

Although they removed it from my credit file, they are still attempting to collect this debt from me and still have it listed in my statement of accounts as owed despite the bank charging it off and receiving a tax deduction for the loss several over seven years ago. 

I think they are engaged in deceptive practices and collecting debts they charged off is a form of fraud.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-21
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (AZ)

Summary of Concerns Regarding Navy Federal 's DEBT COLLECTION - In XXXX, during a phone call to make a payment, XXXX disclosed that she was being trafficked and held XXXX, pleading for assistance from Navy Federal. 
- Navy Federal responded by terminating all communications with XXXX, showing a lack of empathy and disregard for her well-being. 
- Despite providing evidence of the circumstances, Navy Federal failed to address the fraudulent charges and outstanding debts, neglecting their duty of care. 
XXXX XXXX 's attempts to rectify the situation regarding the stolen vehicle and fraudulent charges were met with indifference from Navy Federal. 
- The termination of communications and lack of assistance from Navy Federal resulted in significant distress for XXXX, leading to hospitalization due to a suicide attempt. 
- Despite stating they will no longer attempt to collect the debt, Navy Federal has not accommodated XXXX 's XXXX by refusing to allow her to call in or visit in person. 
- Navy Federal garnished XXXX 's wages of {$930.00} on XX/XX/XXXX, causing further financial distress and contributing to eviction issues. 
- Navy Federal 's assertion of terms and conditions found on their website is unfounded, as no such documentation exists in the lease, agreement, or loan terms. 
- XXXX paid over {$100000.00} towards her credit card in XXXX alone, with a credit limit of {$26000.00}, yet has never received the treatment deserving of a flagship member since becoming one in XXXX. She has faced discrimination based on her identity theft and background.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

National Credit Systems has reported false information on my credit. They have reported that I owe to debits {$450.00} & {$990.00} for an apartment community called XXXX XXXX XXXX XXXX XXXX I have never lived a property called XXXX nor have I ever signed a contract of any sort called XXXXXXXX XXXX 

I have filed compliant here in 2023 and the case was closed. National Credit Systems have never contacted my nor provided me with an document or invoice as it relates to this reported debit. My rights under being violated under FCRA Section 611 ( c ) Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate.
Consumer complaint received 2024-05-13
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. (CA)

On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with XXXX XXXX XXXX ( CCS COLLECTIONS ) on [ XX/XX/XXXX ] showing a balance of {$160.00}. XXXX XXXX XXXX ( CCS COLLECTIONS ) failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (WA)

events ) Theft XXXX XX/XX/2024 New Individual No My bank has twice moved funds without my authorization as well as let a family Member service the account. I have filed out all the fraud reports they have sent me and they have not responded to a single one. They cant provide a document showing where I authorized this - because I didnt. I call and they just tell me to file a fraud report with the fraud department. I do and they go unanswered. I authorized none of that and need to take legal action. They have take. Money from me I never authorized. I looked into suing your bank and it was suggested I file a police report for documentation purposes. I filed one with the XXXX police. This is my mailing address. I dont have a home I am staying in XXXX and my privacy is being violated.