davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIRST HOME MORTGAGE CORPORATION (VA)

My mortgage forbearance for unemployment was approved and the servicer updated my credit report status from " XXXX '' to " 120 days delinquent '' without identifying any missed payments. 

During the Unemployment Forbearance, the servicer did not report Delinquency Status Code 09 Forbearance and Delinquency Reason Code 16 - Unemployment. The servicer did not utilize Delinquency Reason Code XXXX Unemployment even though I was approved for Unemployment Forbearance, against XXXX XXXX  guidelines. The servicer should continue to report a full-file status report to the XXXX major credit repositories for each mortgage loan in an Unemployment Forbearance plan in accordance with the Fair Credit Reporting Act and credit bureau requirements as provided by the Consumer Data XXXX XXXX XXXX Fullfile reporting must continue if the Unemployment Forbearance arrangement is extended and must continue to the end of the Unemployment Forbearance plan. 

I asked the representative to remove the delinquent marks and update the appropriate status to " current '' as I am still under an approved unemployment forbearance and have been impacted by a disaster ( Disaster Declaration # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX and XXXX refused to remove the delinquent status.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (FL)

I called three times and spoke to three different people regarding the interest charges on my account. The interest charge and payment increased close to {$100.00} dollars and I wanted to know why. The first person I spoke to stated it was due to the balance on the card increasing. I informed the representative that was inaccurate and the balance had decreased which she then checked the statements and confirmed that to be true. The second person attempted to tell me the same thing and when I informed this representative that was incorrect she hung up the call. I spoke to the third person and she tried stating it was because the bill increased to which I told her that was incorrect and the bill reduced. She confirmed I was correct and then proceeded to tell me it was due to an increase in the interest due to the federal reserve and I asked why I did not receive a notice informing me of this and asked what the amount was. She stated the interest rate increased from 21.99 % to 29.99 %. I informed the representative 8 % would not have caused a {$100.00} increase. She then proceeded to tell me the interest charge and payment increased because I did not pay the full minimum amount in XXXX to which she then confirmed I did make the minimum payment required from that statement. She then proceeded to tell me it was because I was only making the minimum payment and this is why the interest charge and monthly payment increased. By that time I was fed up and informed the representative that I will be filing a complaint with CFPB.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX, while traveling in XXXX, XXXX my wallet was stolen while on the subway. When I returned to my hotel I called and reported my cards stolen and cancelled my accounts with XXXX XXXX  XXXX  and Barclays Aviator American Airlines AAdvantage. At this time the thieves had already made XXXX charges which when questioned I told the phone representative from Barclays I had not made and they said they would remove these charges and a new was card was issued. 
When I returned home by XX/XX/XXXX and checked by account the fraudulent charges did not appear on my statement. However later XX/XX/XXXX I was sent a letter from Barclays stating that they had conducted an investigation and the charges would be returned to by bill. Subsequently, the XXXX charges : XX/XX/XXXX XXXX XXXX XXXX for {$1700.00} and XX/XX/XXXX XXXX XXXX XXXX for {$1400.00} re-appeared on my account. 
I spoke at length with Barclays XX/XX/XXXX and was under the impression that a new investigation was being opened. I also called back again later in XXXX and was told I had to wait 30 days. 
I reported both transactions as fraud on my online account. I also sent a number of messages on my online account and received similar information. 
Today, XX/XX/XXXX, I again called and was told no new investigation had been started in XXXX, and that they would start a new one today with the # XXXX and this may take another 30 days to complete. 
At this time I am reaching out to you for assistance, as I strongly feel that I should not have to pay these fradulent charges and am frustrated with Barclays handling of this entire matter, as well as charging my account interest on these charges. 
Look forward to hearing from you
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (SC)

I have exercised my right to opt out pursuant to my rights under the Gramm-Leach-Bliley Act specifically under Title V, Subtitle A, Section 502.
Consumer complaint received 2023-04-20
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: Siggi LLC (AL)

I reached out to these companies via the credit bureaus and I haven't heard a response back in over 90 days. I feel like I'm being ignored and punished for something that is completely out of my control. I demand that this incorrect, inaccurate and unverifiable information be deleted from my report. Over 90 days with no response is ridiculous. Why put someone through the ringer whose actually trying to get to the bottom of this?
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

Subject : Urgent : Fraudulent Credit Card Applications on My Account Dear American Express Customer Service, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your immediate attention a serious issue concerning my account. 

Upon reviewing my recent credit report, I discovered that several American Express credit cards have been fraudulently applied for under my name. These credit cards include : American Express Hilton Credit Card with a limit of {$14000.00} American Express Blue Credit Card with a limit of {$20000.00} American Express XXXX and Gold XXXX Credit Cards I want to clarify that I did not apply for any of these credit cards, nor did I give consent for anyone else to apply on my behalf. These are fraudulent accounts that were opened without my knowledge or authorization. 

I kindly request that you take immediate action to block these credit cards and remove any associated inquiries from my credit report. This fraudulent activity has caused me considerable concern, and I hope for your prompt assistance in resolving this matter. 

Please confirm receipt of this email and provide me with an update on the steps being taken to address this issue. If any further information or documentation is required from my end, please do not hesitate to let me know. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

Recently, one of my loan servicers changed, from Nelnet to Sloan. Being confused by which loan it was, I called the new servicer, Sloan, on XX/XX/year> and mistakenly requested them to be taken off the auto-debit option. Then, having realized my mistake, I called them back the same day and asked to be reinstated back to auto-debit. The customer service agent assured me that I would be able to do it online without a problem. So I logged onto my online account on the same day ( XX/XX/year> ) and submitted the application online to be put back on auto-debit, as it was the only option available to submit the application. The application was successfully submitted and received by Sloan, and I received a confirmation message on my provided e-mail account. 

On XX/XX/year> I received a note from Sloan stating that my loan was disqualified from a borrower benefit. Upon logging on to my account, I discovered that I have not been enrolled into auto-debit and that my account was past due, asking me to pay the two payments of {$560.00} that have been missed due to not being enrolled in auto-debit. 
On XX/XX/year>, I called Sloan customer service, and have been told that they haven't received my application for auto-debit despite me having e-mail confirmation message that they have received it. They then informed me that I would have to resubmit the application again and pay the outstanding amount, and that all the borrower benefits that have been removed from my account due to the account been past due would not be reinstated. On XX/XX/year>, I have again re-submitted the application for auto-debit to Sloan, and have, again, received a confirmation e-mail stating that they received it.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M1 Holdings Inc. (CA)

M1 Finance is where I have my XXXX IRA. I submitted a transfer to my linked bank with XXXX  XXXX XXXX and it said it failed. No other detail or information was provided. This has never occurred previously.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2024 at around XXXXXXXX XXXX, I was approached by two individuals needing help to deposit two checks. They told me that their card wasn't working and if I could help them, they offers to pay me for my troubles. After looking at the checks, they seemed legit so I decided to help ( I would like to note that im on the XXXX XXXX, so my judgment of people isn't so great ). One check was for {$1900.00} and the other was for {$990.00}. I gave them the money and went on my way. After discussing it with my sister after I got home I realized I was scammed and had deposited fraudulent check. This has never happened to me before! I immediately called Chase to see if I can get my money back or if there was some form or process I can undergo to see if I can get my money back. With my sister 's help, I was able to explain the scam I was a victim in. Chase bank told me there was nothing that could be done since I participated in the scam ( I withdrawn then money after checking the fraudulent check in ) I had to take it outside of the bank aka the police. How could be a participant in this scam? I'm the victim! And yet they won't do anything to help me! My sister mentioned to the customer service of Chase that I was autistic and yet they told me nothing could be done. Please help, {$2900.00} is a lot of money that worked super hard for. The least Chase bank could do it to consider investigating the scam incident but they didn't.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX. 

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my name to : XXXX XXXX XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida FL XXXX My only Social Security XXXX is : XXXX My only and correct Date of Birth is : XX/XX/XXXX I do not wish to have any telephone number on my report. 
Please remove all the other addresses on my report, as they are not deliverable to me by the U.S Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attach Driver License, SSN card, and proof of address
Consumer complaint received 2024-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-07-08
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: Chime Financial Inc (OH)

I recently just been looking at the market being XXXX XXXX XXXX and I didnt know that Some websites will take a hard pool or a soft pool and they did not ask me so I didnt know and they just took off of My Credit And now Im having issues even being able to get a loan for a car without a cosigner and I have no one to help me! Thanks I just like to get my credit score back to where it was
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Block, Inc. (KS)

I created a payroll on square team app. Square then decided to close my account when I attempted to pay my employees. They left my employees mad and upset and refuse to release over XXXX XXXX in funds. That is highly illegal.
Consumer complaint received 2024-07-11
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: SANTANDER HOLDINGS USA, INC. (IL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Foursight Holding LLC (LA)

I have filed previous complaints primarily with the company I did not sign a contract with or agree to any transfer of contracts. I was not notified the contract was being sold and did not have the opportunity to decide if I wanted to stay with the company or go to a different one. 

I requested a copy of the contract from Foursight Capital and received a document I DID NOT sign, the printed signature is not my signature. I advised Foursight Capital it was not the contract I signed but was advised it was what they acquired during the transfer.

I reviewed the document and noted I was charged {$88.00} for recording the security interest with public officials, XXXX  state law says the maximum amount to be paid is {$15.00} for notary and {$35.00} for recording. I was also charged {$800.00} for GAP insurance I did not want. The lien filing fee paid to the lender of {$180.00} is also incorrect charge. The interest rate of 12.81 % was changed to 12.54 % on page XXXX of said contract. 

The contract further states I can not sell the vehicle without permission of the lender and if I go to XXXX in the vehicle it can only be for 30 days. If my job requires me to move, I should not have to ask permission to relocate the vehicle or for permission to sell/trade in the vehicle. 

The contract has several flaws but the most important is the fraudulent, printed name used as my signature on a legal document.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I am writing to formally dispute an inaccurate XXXX XXXX entry that has appeared on my credit report. As a diligent consumer, it is imperative for me to ensure the accuracy of my credit history. To facilitate a thorough investigation into this matter, I kindly request access to the LexisNexis report associated with my credit file. Having access to this comprehensive report will enable me to provide additional evidence and context necessary for resolving this dispute effectively. I understand the importance of accuracy and reliability in credit reporting, and I am committed to working collaboratively with you to rectify this discrepancy promptly. I can not afford Postal what is why I am asking help from CFPB. Please send within 3-5 business days to my email :
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am so confused because how did I go from having credit scores that have given me opportunities and opened doors for so many applications for me but now I can no longer do that because I am hindered by the fact that inaccurate information has been reported in my credit report without the company verifying if everything is checked with 100 % accuracy. This is so disappointing!
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I checked my credit report and found a negative report from a company I have no relationship with that are reporting I owe and have not paid a debt I am not aware of. I never received any written notification of such a debt owed so I am disputing this as potential fraud or as incorrectly filed with the wrong consumer. I did not have any debt with this company that I am aware of and was not informed of any debt to this company.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PROSPERITY BANCSHARES, INC. (TX)

Applied as cosigner for XXXX XXXX student loan. Denied as cosigner based on " limited credit experience ''. XXXX pulled credit info from XXXX. XXXX does not have information on XXXX of my accounts " XXXX revolving XXXX realestate '' that I have had for many years and are all in good standing. These same accounts are listed on my XXXX credit report and thus have much higher XXXX XXXX " over XXXX '' and full credit report. XXXX with XXXX they denied my cosigner based on no current credit use experience. Reached out to XXXX dispute center by phone and was told I can not dispute missing data. I then sent a dispute letter and thus far have received no reply. I have also reached out to my bank holding these XXXX accounts " Prosperity Bank '' to see if they can report this data directly to XXXX. They have stated they report all credit information to all XXXX credit bureaus they simply are not pulling the data into their system. I don't understand why XXXX has all XXXX of my loans over the past 10 years and have paid off and closed " all on time with no late payments '' but refuse to investigate the XXXX that are current and add them to my report so it accurately reflects my full credit history. I have also signed up for and pay for the credit monitoring services with XXXX " using a credit card they refuse to show on my credit report '' hoping that would help. I also paid XXXX for a full XXXX XXXX report as a comparison. Its all listed right there on the XXXX report they pulled and reported to me. I also pay for the credit monitoring service with XXXX hoping to push the missing data from the other reporting agency to XXXX. XXXX also shows XXXX does not have all my credit info. I have the same missing data problem with XXXX but currently XXXX is the reaason I am being denied credit with XXXX. Nothing has worked. I simple want my credit info to be reported more accurately across all XXXX credit Bureaus. Prosperity bank is willing to send over any information requested to resolve this issue.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (IN)

citi is reporting to XXXX XXXX  that i basically wrote a fraudulent check wth no proof of the check nor the purchase agreement. ive disputed with citi and XXXX XXXX as well. that this was not my doing. they are reporting fraudulent activity on my behalf but in actuality is on their 's. XX/XX/year> is the date in question ... in the amount of XXXX