davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/XXXX someone hacked my chime account and entered my account they changed my number to theirs. Chime allowed them to transfer {$900.00} and declined my dispute saying they found no error. The same person also completed three of the same transactions at coach outlets in the amount of {$1200.00} for a total of {$3500.00} was stolen from me. I have read multiple forums on XXXX of people going through the same issue and chime taking 0 accountability and refusing to return their money. This person was able to completely by pass the log in codes that were being sent to my phone and login on a device Ive never used in a city Ive never been to. Ive been a chime customer for 8+ years and have never filed a dispute with them. Someone attempted to make a {$30.00} purchase from XXXX XXXX a week prior and chime texted me to verify if it was me but didnt feel the need to verify or flag the suspicious transactions that were the exact same and suspicious activity that has never occurred on my account. Chime will not let me dispute the coach purchases until they have finalized. I have made a police report and will be reporting them further and taking action until this is all resolved and I rightfully get my money returned to me.
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (IN)

Greetings Sunrise Credit Services, You have furnished information on my consumer report as early as XX/XX/year>. I am unaware of this alleged debt. I did NOT receive the opportunity to dispute this alleged debt because I did NOT receive proper/any notification of the alleged debt. If in fact, you believe the proper notification was given, please provide the certified mail receipt containing my name, signature, and date, stating that I received this information. From the date of XX/XX/year> or prior to you supplying information to my report without my acknowledgement or written permission. 

As it stands you are violating many of my consumer rights by using unfair, deceptive, and abusive practices to collect an alleged/unverified debt, including Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) and MANY MORE. 

Thank you for your prompt attention to this matter, Sincerely, XXXX XXXX
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I just received today XXXX XXXX, 2016 a notification that my house is put on foreclosure on XXXX XXXX, 2016. My house is still under HAMP modification program with Nationstar Mortgage. Nationstar some time requested some documents from me to continue the processing of my HAMP loan modification which I sent promptly to them. I sent all the appropriate documents to them. Since then I never heard from them even my calls every week to my dedicated loan specialist XXXX XXXX to check on the status of my HAMP modification were ignored. When she called me instead of addressing the purpose for which I called her she will simply leave a message for me saying " I am returning your call. '' One day she picked up my call and I asked her about the status of HAMP loan modification she asked me to write down the documents why on phone. I told her to send them to me in writing as they could be denied. Her reply was she does not write. I told her I will be expecting the documents and since then I never heard from her again. All my phone calls to her were ignored. The foreclosure letter id said that the foreclosure AD was enclosed in the letter and I could not find the enclosed AD. I know of XXXX and not know of XXXX.
Consumer complaint received 2024-06-29
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

Although I have asked for and received credit score info from all three and now from XXXX, the score is based on inaccurate and untimely information. As time goes by, it is undermining my financial health and reputation.How do I get the agencies to report accurately and truthfully?
Consumer complaint received 2023-10-21
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. (SC)

This is my 13th 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 Balance : {$18000.00} 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 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

I requested XXXX XXXX XXXX, dba, Chief Executive Officer, to perform a set-off and adjustment of all charges by the exemption in accord with UCC section 3-419 ; House Joint Resolution 192 of June 5, 1933 ; Public Law 73-10 ; Title 26 section 674 ( b ) ( 5 ) ( b ) under Safe Harbor and UC Constitution and release me from the obligation ( {$34000.00} ) under AMERICAN EXPRESS account ending XXXX. Mr. XXXX fail or refused to perform his fiduciary duty as it relates to this matter.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (PR)

My dad just requested AMEX to skip XXXX payment as Im the one paying the card but had a health issue that has me jobless. 

The agent offered XXXX options and he preferred the 12 month hardship plan but the agent gave the 48 month plan which block the card. And the agent just said it was the system. Definitely, AMEX is run by robots because of no human logic or concerned was placed. 

AMEX doesnt care for the customer. Other cards help by waiving or skipping the monthly payment except AMEX. Its not a complication. Its not difficult. 

Hoping to pay off the card and move out.
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WESTERN ALLIANCE BANCORPORATION (NC)

My mortgage was in the process of closing out my COVID forbearance and setting up a repayment plan when it was purchased by western alliance. 
I contacted them after I received my letter of servicing transfer and asked them about the status since my repayment plan hadn't been finalized in my previous servicer. They said they were still going through paperwork and had no idea the status but would get to it eventually and send me any paperwork that was required to get my repayment plan set up. 
I never received anything until I got a notice that my home was entering a foreclosure process because of all of my past due payments. 
I called and told them what happened and was told repeatedly that their computer wouldn't allow me to enter the Covid repayment deferral program to move payments to the end of the loan and the only way to become current was to submit a loan modification request and even then that wouldn't be guaranteed. 
I don't believe this servicer is familiar with the cares act or the requirements in that legislation. I should not have to have a loan modification to receive the protections that were set out in the cares act.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian is reporting an unverifiable item on my credit report ( see attached experian report ) and they verified this item as a paid settlement when I sent a dispute however this information can not be true because XXXX has verified that it has a balance ( see attached XXXX investigation result ). Additionally, I have never paid XXXX XXXX [ account # XXXX ] so how is Experian " verifying '' this information? Pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) I demand that Experian deletes this item from my credit report as they have reasonable cause to believe that it is inaccurate and unverifiable.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (PA)

I extended my credit more oncewith AMERICAN EXPRESS COMPANY ( AMEX ) and they received consideration for this transaction. In return I received an adverse action letter saying i was denied the use of credit i already extended now showing a pattern of actions that are adverse to me. 
The agreement I was provided never had an option for me to opt-out and maintain my private non public personal information from being shared with consumer reporting agencies pursuant to the XXXX XXXX XXXX XXXX. The terms in the transaction that i applied for online is an agreement that is contrary to public policy. The agreement they had me fill out online is proof that this transaction would be complete only, if I would agree to an extortionate extension of credit. it was undue influence that made me complete that unconscionable agreement that i filled out because i was left with no other options. The online agreement was prepared long before i decided to extend my credit with AMEX. I should have been provided any kind of contract as those intentional actions violates the XXXX XXXX XXXX outlaws any contract, conspiracy, or combination of business interests in restraint of foreign or interstate trade. this agreement allowed unjust enrichment.
Consumer complaint received 2024-05-07
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: Experian Information Solutions Inc. (AZ)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THESE INQUIRIES IS NOT MINE XXXX XXXX XXXX XXXX XXXX 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 2024-07-09
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: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

I've been trying to fix my credit reporting since XXXX XXXX by sending legal documents to the credit bureau. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 


XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX
Consumer complaint received 2024-05-07
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: Experian Information Solutions Inc. (NV)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar Mortgage sent me a payoff statement while I am in Chapter XXXX bankruptcy. The payoff statement is claiming to pay off the house would be {$130000.00}. I looked at their previous tax statements sent to me and they are stating that we owed a little over {$120000.00}. When looking at the tax statements from XXXX and XXXX I have noticed that my interest payment has gone up over {$2000.00} last year even though I am on a fixed rate mortgage and have paid down the principal. Something is not right. If you look at XXXX statement the interest is {$5100.00} and then all of a sudden XXXX interest is {$7500.00}. How does interest go up when you pay down the principal and have a fixed rate mortgage? We feel like they are trying to sneak charges that were dismissed through bankruptcy court onto my interest. Also, on the payoff statement, they have unexplained charges under lender paid expenses in the amount of {$2900.00}. We have proof of claim being dismissed and proof of payments. What Nationstar can not explain is these charges and why my escrow got increased by with no reasoning behind it or no notice to me or the bankruptcy courts. We have tried calling them to find out, sending a certified letter, and asking their own attorneys but no one can give me a straight answer about why my escrow is more than the insurance and property taxes combined and divided by 12 months. By our calculation escrow should be about {$300.00} but they have escrow at {$420.00} after XXXX XXXX.
Consumer complaint received 2023-06-06
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. (IL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus 89 times to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and im depressed I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of { XXXX } opened on XX/XX/2021 that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.remove this now i demand u remove it now because yall need to stop playing with my report.
Consumer complaint received 2024-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

We purchased a new vehicle last month. The dealership was told that we would be paying for the vehicle and NOT FINANCING it. They indicated they would not do a hard credit inquiry. 
We found that a hard inquiry was done on myself and my son on XXXX. 
XXXX XXXX was notified and a complaint was logged with them. They told me I needed to contact you also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Via Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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: Experian Information Solutions Inc. (NV)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I asked for an extension for XX/XX/XXXX payment. They reported that I was 30 days late on my XX/XX/XXXX reporting.I asked the original creditor can they send me a copy of when they received my payment and they refused to do so. I closed the account in XX/XX/XXXX. I disputed the late payment in XX/XX/XXXX. The credit bureau updated the dispute and ( moved the late payment to XX/XX/XXXX with balance of {$4300.00} being my highest balance when my credit limit is {$400.00} ). It also made my payment history shorter. Ive had the card since XXXX and its reporting that I only had it since XXXX. The late payment had been moved a month over when its not even suppose to be any late payment reporting.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens Bank allowed an ACH/pre-authorized debit in the amount of {$15000.00} from my checking account to XXXX XXXX XXXX XXXX XXXX The transaction appears on my statement to have occurred on XX/XX/year> ; however, it was not posted until XX/XX/year> at which time it posted to my statement. I have never had an account with XXXX XXXX in my entire life. 

I then went to my local Citizens Bank branch in XXXX, OH as I was unsuccessful in contacting a Citizens Corporate Fraud employee. The branch was less than helpful and connected me to a case officer at corporate ( XXXX XXXX who opened a case. I asked why they could not reverse the transaction as I did not authorize it & also asked who authorized it and I did not get an explanation. Currently my account with Citizens is frozen. 

I subsequently opened a police report with the XXXX, XXXX XXXX and also gave it to my local branch. 

It is very troubling that Citizens does not have 2 factor authentication in place to allow such a transaction to occur and that they feel it is acceptable for a {$15000.00} debit to occur. This is my second instance with Citizen 's lax security as it pertains to my account. I am hoping I can get my funds returned ASAP by utilizing this service as this is an incredible inconvenience and Citizens has zero sense of urgency around this.