davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We had a water damage in our house XX/XX/XXXX. We received the check for XXXX from our insurance company and send the package to Nationstar Mortgage with ALL required paperwork. They received it on XXXX/XXXX/2015. Till this day Nationstar did not do disbursement to us. I called numerous times without any results. Here is the dates : XXXX/XXXX/2015, XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015.Every time I call, I stay on the phone 20-40 minutes. On XXXX/XXXX/2015 I was waiting for supervisor, her name is XXXX for almost 2 hours, only for her to tell me that she will follow up on my disbursement request, which she never did. Nationstar is using off shore operators, who are poorly trained, they can not explain anything, they read notes on the screen and do n't understand a thing about the process. I feel that Nationstar is abusing its customers. On XXXX/XXXX/2015 I spoke to XXXX, who told me that somebody misplaced the contractor 's bead and my disbursement was stopped. On XXXX/XXXX/2015 spoke to XXXX for the 4th time, stayed on the phone with her 33 minutes, once again was told that disbursement request is send for approval, and she will call me back tomorrow to follow up. Of course, no one called and there was no check send to us. In the meantime insurance company issued us an other check. Nationstar is holding {$100000.00} of our money. The water damage was very extensive, my family has to stay in the half destroyed house. We are desperate, we want to start repairs. It is absolute nightmare to deal with Nationstar loss department. Nationstar mortgage needs to train their loss department operators, so they will do their job. Please, help us.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally submit a complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XX/XX/1994, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec.

151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I HAVE RECEIVED STATEMENTS FOR TWO YEARS UNTILL XX/XX/2023 WHICH I HAD TO LOOK UP ON LINE BECAUSE I HAD NOT RECEIVED A STATEMENT BY XX/XX/2023 AND I CALLED CREDIT CARD COMPANY ON XX/XX/2023 AND TOLD THEM SAME INFO AND I PAID BILL IN FULL, AND AGAIN ASKED THEM TO SEND ME A STATEMENT TO ADDRESS ON FILE AND AGAIN THEY SAID THEY WOULD AND MY ADDRESS WAS AGAIN VARIFIED BY THEM. I ASK FOR PREVIOUS COPIES OF STATEMENTS AND 5 DAYS LATER RECEIVED IN MAIL TO MY ADDRESS. 
AGAIN IN XX/XX/2023 I HAD NOT RECEIVED A STATEMENT AND CALLED AGAIN AND PAID OFF ACCOUNT BALANCE AND CLOSED ACCOUNT AS I AM XXXX XXXX  OF AGE AND PAY MY BILLS BY STATEMENT AND NOT TO FAMILIAR WITH THE COMPUTERS. THERE IS A BALANCE XXXX INTEREST WHICH I WILL NOT PAY. 
CAPITAL ONE SAID THEY MAILED MY STATEMENT 4 TIMES AND SHOW DELIVERED AT XXXX XXXX  OR CLOSE EACH TIME. MY MAIL IS PUT IN A COMMUNITY MAIL BOX AT XXXX OR LATER EACH DAY BY POSTMAN. I CAN SEE MAYBE A POSTMAN MAKING 1 OR 2 MISTAKES BUT 4 ( FOUR ) IS BULL. I THINK THIS IS A SCAM BY CAPITAL ONE TO GET INTEREST FROM PEOPLE THAT PAY ON TIME AND DONT PAY THEM INTEREST. I HAVE A CREDIT SCORE BETWEEN XXXX AND ALWAYS FOR XXXX  YEARS PAID ON TIME.
Consumer complaint received 2024-08-22
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. (CA)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit cards from XXXX with a balance of {$68000.00}, XXXX with a balance of {$150000.00}, XXXX with a balance of {$6200.00}. 

I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts as reported ; these accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Consumer complaint received 2024-08-01
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: Army and Air Force Exchange Service (NC)

I was a victim of fraud, swindle ( scam ), and leads to Identity theft. I spoke with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) located in XXXX XXXX, Arkansas. I spoke with her to set up an account. After gathering my information, she used it to carry out a series of fraudulent charges. I realized all of my personal information was used to open credit cards, take out loans, and completely wipe out my life savings of over $ XXXX. And XXXX of the credit cards that were fraudulently charged was this my XXXX XXXX card orders thousands of gift cards online such as XXXX, XXXXXXXX XXXX XXXX and many more. I do not remember all. I DID NOT authorize all online orders at XXXX that charges on my Military Star card. The charges back on or around XX/XX/2023. These charges were completed by someone else, the person who stole my identity. When I called and disputed all the fraudulent transactions says it was denied, because the orders were delivered to my address, and I never get it anything delivers. I did know and not expecting it and also says There are several notations from calls made in regards to orders XXXX and XXXX in which it is stated that there were issues while attempting to use the e-gift cards. And that a refund for these orders was waiting to be processed. never get the refunded it. Please if anybody can help me out of this claim. Thank you in advanced.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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.

1. This information violated the section 620 of the FCRA for not reporting accurately XXXX XXXX Account Number : XXXX This account never missed a payment. Please investigate and update the late payment status under the two-year payment history immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 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 inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (GA)

My identity was stolen in XX/XX/XXXX. I reported it at the time, filed a police report, and put on a credit freeze. I also have an extended fraud alert in place through XX/XX/XXXX. On XX/XX/XXXX, I was alerted about a derogatory account in my name from DRS, which is not my account and is a result of identity theft.
Consumer complaint received 2024-07-05
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. (NY)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-05-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc (IL)

I received one letter on XX/XX/XXXX that was dated XXXX stating I owe XXXX fr an auto accident in which I was rear ended by a XXXX, verbally abusive driver ( I did not have insurance and am handling that thru Sec of State Illinois ). I was called today XX/XX/XXXX on my cell during work and was told that my license will be suspended if payment not made and payment arrangements not satisfied. I was told I could not dispute this debt, could not seek court intervention and will lose all driving privileges if NOT PAID starting immediately. I agreed to a payment plan due to his threatening aggressive language and half truths. I reached out to the Sec of State as well. 
I emailed the rep I spoke to revoking any and all permissions to deduct payments from any and all bank accounts effective immediately ( XX/XX/XXXX )
Consumer complaint received 2023-04-27
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. (TX)

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud. said the company had 4 days according to LAW to remove such items. Consumer is requesting EQUIFAX to provide documentation used to determine inquiry was indeed authorized by the consumer. EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be moved asap. SAID the company is liable under the SEC to follow certain rules. EQUIFAX Commission file number is XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Which is a violation of 15USC Code 1692g FCR section ( a ) ( 3 ) m
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I have an long term on going issue. I have sent out my documents on numerous times and I have done everything asked of me from Equifax, XXXX and XXXX yet and still I am unable to pull my reports. There is something going on my reports and I am unable to participate in credit but can't figure out the issue because I can't get the reports. I have verified that there are no alerts yet I can't pull anything. Equifax in particular I can't even pull with my credit monitoring. I'm loosing money and this is really having an effect negatively on my life.
Consumer complaint received 2023-12-08
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. (AZ)

Dear TransUnion Why have I received another letter from your company stating that the accounts listed below were verified? 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete.

You told me to contact the furnisher and I did. You told me to go to the original source and I did, but they are not doing what they are supposed to do. Im getting quite stressed here. Im really thinking about contacting a consumer rights attorney to protect my rights because your company and the creditors are not investigating and reporting data 100 % accurately. There are credit reporting laws put in place to make sure your company is doing their job. Thats right I read this on the FTC website. I wont be a victim anymore. Im telling you that Im ready to move forward with this matter. I will do whatever I have to do if the above accounts are not fixed.

Im asking your company to do the right thing so this issue does not end up my attorneys office. 

CC : CFPB, FTC
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Hi Sir/Madam, I have The Home Depot, Credit Card, that I have paid off in full. I have closed the account couple of months ago, but the company is sending me bill, every month after the closer of the account, with late fee of {$40.00} per month plus interest. As of today, they have billed me for about {$110.00} in late fee plus interest. I have purchased nothing in last few months, but I am getting bills for additional charges on late fee over late fee. This is an insane practice. This is a rip off which is like a termite. I have a family and I hardly make my ends meet every month. These big companies, out of their greed, are ripping off the fabric of this society. They are forcing people toward the poverty then prosperity. Please save me from their vicious scams. I have called them few times and discussed to resolve the issue but instead of resolving the matter, they are keep harassing me. 

XXXX
Consumer complaint received 2024-05-23
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: PNC Bank N.A. (PA)

I applied for a personal loan from PNC Bank. The loan was approved. At closing the credit disclosure given to me by the bank was lower than the actual credit score with experian for that date. PNC used a score of XXXX, when actually, on the same date they pulled my score it was actually XXXX. The incorrect score was used to set the interest rate on my approved loan. The local banker filed a complaint ( ticket number XXXX ) and provided the actual credit score to the underwriting team. I was then contacted by Customer service citing the underwriting team would not change the terms of my loan and cited the Manager ( at the bank in which I closed ) needed to make any modifications based the accurate information. I reached out to the local bank manager who then contacted me, via email, citing he was having underwriting review it. I advised it was underwriting that advised me to contact him. I have still not heard back from the bank manager on a decision to correct the terms of my loan ( specifically the interest rate based on my actual credit score of XXXX on XXXX XXXX XXXX  ). Meanwhile, I notified him that the interest is accruing at the rate cited on my loan based on the incorrect credit score. 
Providing a loan, which determines interest rates on XXXX credit scores, on a falsely low credit score is fraud.
Consumer complaint received 2024-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2023-09-27
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. (IL)

This is my third 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 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 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. 
Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. JPMCB CARD # XXXX.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

I, XXXX XXXX, am writing regarding the charge off in the amount of {$380.00} of XXXX XXXX account # XXXX, XXXX account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$30.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus shows reported payments received from XX/XX/XXXX up until XX/XX/XXXX. 

I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$120.00} ; however, my XXXX report shows an original charge off in the amount of {$380.00}.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Within XXXX hours of me opening the CFPB claim Citizens closed my account and denied my fraud claim again. Police reports, identity theft reports and government issued letters have all been provided to citizens numerous times. They refuse to pay my fraud claim and now they have closed my account because I opened a CFPB complaint. The complaint shows still open but citizens has confirmed the fraud case is closed and denied me my funds even with all the proof I have provided. Ive been dealing with them since XXXX
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My credit information from XXXX XXXX regarding my account is incorrectly reported. My account is being managed with a Credit Counseling program XXXX XXXX and the agreement with XXXX was for the entire full balance owed. The acceptance letter agreement from them to me states that they would not negatively report my account and they would not charge off my account ( I am uploaded this letter ) The did charge off my account and negatively reported I am submitting a copy of this and the payment record was not accurately reported all payments were made as agreed and {$6900.00} was paid to them to date. Proof of these payments are uploaded with this complaint as well as the final statement from XXXX XXXX showing the balance.