davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

Our previous complaint was closed a few days ago, case # XXXX. After almost 3 months of trying to close on a refinance with Loan Depot. On XX/XX/2018, a few days before Loan Depot was to respond to my first complaint, they informed me that our loan would be cancel because of information that they needed from the bank that is holding the mortgage of the note to be refinance, wasnt able to be attained by XXXX XXXX, loan depot 's contracted verification company. My wife and I have been in and out of banks, retrieving loan histories and pay off statements. We have also been on many third party calls with XXXX XXXX to verify information. Loan Depot is blaming me and my wife for them not being able to attain the information that they are requesting. We have offered statements that reflects the information that they have requested. They have already received the information and now they have requested the same information over again. We are cooperating with their third party verifying company, but the banks are apparently not sending the the information. Loan Depot has cancelled the process because of this. They are trying to make it our fault, just like they tried to make the so called undisclosed properties our fault. When everything was in the income tax returns. Loan depot is holding us responsible for the unsuccessful efforts of XXXX XXXX  to attain their requested information. We have meet their requirements and just want to close the deal. The truth of what i have said can be verified by my banking institution, XXXX  XXXX, and Loan depot because every phone conversation was on a recorded line.
Consumer complaint received 2023-07-13
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (PA)

Navient is trying to collect a private student loan that should be discharged. There was a lawsuit that I should have qualified for but didnt. This loan is for a for profit closed school. The loan is predatory. I had an approved borrower defense application from the federal government about this same school and the loans were discharged. These should be as well regardless of the type of loan. This company is a legal loan shark and should be put out of business. I also have asked them more than once to only contact me by email and only me and they have called relatives and my job. Once again these are predatory loans meant to keep you in debt and they need to be discharged now.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGLEHARDT vs GRAVENS ( mo ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My mortgage Co, Nationstar has not given me credit for one of the monthly mortgages payments I made this year. 
Between XX/XX/XXXX and XX/XX/XXXX I made partial payments which were misapplied to my account by Nationstar. I have been on the phone multiply times with their representatives in an effort to correct this without success. 
At my request they sent me a transaction history on my account it confirmed that through XX/XX/XXXX my records agreed with theirs. However after XX/XX/XXXX it is impossible for me to decipher the transaction history they sent me. 
But the bottom line is this, between XX/XX/XXXX and XX/XX/XXXX I paid a total of 6 payments and their records only give me credit for 5 payments As of XX/XX/XXXX they say that I was past due for the XXXX XXXX payment and that 's not true. At that date I was next due for the XX/XX/XXXX payment. 
Please see attached the transaction history they sent me, together with my notes listing the payments I 've made since XX/XX/XXXX
Consumer complaint received 2023-05-02
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are in direct violation of The Fair Credit Reporting Act XXXX XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

Hi I recently filed a dispute with chime for {$8300.00} from unauthorized transactions. I provided all necessary documents including a police report. They kept closing my claim every time it was time to get my temporary credit just so I can refile the claim and the dates of the investigation would be pushed back to later dates. I showed them where there was no way I couldve made the transactions because I didnt have an account with the merchant. They closed the dispute on XXXX XXXX because it was the claim was re categorized to cancelled tranactions. So I filed a rebuttal claim on unauthorized transactions on XXXXXXXX XXXXand it was ongoing til XXXX then denied becaues of the claim filed on XXXX XXXX that stated it was cancelled transactions.
Consumer complaint received 2023-11-17
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

i have been back and forth with chase about fraudulent way they handle my modifications and partial claim and incentive breech of contract and every time they close case XXXX provide proof via documentation they cant dispute that so they got me feel i was get somewhere told me give me a selltlement offer by XX/XX/XXXX how about today on XXXX recieve letter say after XX/XX/XXXX new XXXX gave me new acct number i say what about my case they say call new servicer why so they can say that bettween you and chase just like XXXX mod chase say bettween you XXXX same company i dont know whole business but if they pay chase XXXX bal for my home of 32yr chase try steal extended to 58yr big problem XXXX need investigate chase just got rid of a big problem and RED FLAG when i showed proof nothing left but PASS THE BUCK i refused to pay XXXX to chase then XXXX to sps no way i have 30yr fixed chase coherced me for hamp but breeched contract gave me standalone inhouse but collected partial claim incentive hamp incentive have not removed partial claim from record in county i XXXXyr old i wont be able to explain this white collar crime but gone die trying now is chase or in 3day sps responsibled for forgiveness i have 19disputes stem back XXXX same issue but as plot thickens you see doc changed before eyes thank XXXX for internet i have exibit c and d all different depent on which executive mood be honest
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (WI)

After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On XX/XX/XXXX I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc. (KS)

I have a medical debt from 2014 that was paid through the doctors office. The original occured because of an insurance issues that took a few weeks to be fixed. The debt was sent over to kansas counselors and never placed on my credit until 4 years ago. my wife and I have tried to reach out to Kansas Counselors, we don't get any type of information regarding the debt, except the basics. When I asked questions regarding the reporting or why this is now being collected on. Each collector informs me that I need to speak with a superivor. They are never available. I have left over 7 messages and nothing.
Consumer complaint received 2023-11-17
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (UT)

Hello. Several years ago I was called about a XXXX XXXX card that was opened in Colorado sever years after I stopped living there. The person that opened it up had my social security number, the old address, and some other identifying information on me. I'm not sure who it is, but I told XXXX  that the card was fraudulent and they didn't seem to want to do anything about it. I called them back a few times though and got someone who said that they would send me an affidavit I could sign to get rid of the card. I never received it so I called back again and again. I never did recieve it and I'm suspecting that they were sending the thing to the old address they had on file. We tried this about 4 times and then my father ended up having several massive strokes. I didn't have time to deal with the company if they couldn't even get mail sent to my address correctly, so I put things on hold while I took care of him and then forgot about this entirely. I recently went to apply for a house and they said that this account was hurting my credit score by 120 points. I did not get the loan because of it and the house sold. 

I am currently working with them again but this is ridiculous. This time they sent me a questionnaire to fill out via email and say they are processing things, but I have no way of contacting them or talking to them about the issue. I just get a random call center person who looks at the status on the screen. It's been processing for several weeks now and I haven't gotten any word back from them. They probably sent more documents to the Colorado address for all I know. 

What's crazy is that it is XXXX dollars. I have perfect payment history for everything else I've ever had. I spend almost 700 $ a month at XXXX  on Coffee and Lunch but I am done. They won't get another dollar of mine at this point. 

Here is the information on the card. I only have the account number.. They wouldn't give me the card number because I didn't open it. lol Account Number : XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (VA)

My credit report contains inaccurate information. It reflects debts and liens that I don't owe. A recent UCC-11 search, which is a reliable public record check, confirms there are no such debts or liens on my name. This report serves as clear evidence of the mistake.

The Fair Credit Reporting Act ( FCRA ) protects consumers like me. It allows me to dispute errors and requires credit bureaus to investigate and fix them within a reasonable timeframe. I provided the credit bureaus with a copy of the UCC-11 search and requested the removal of these inaccuracies, but the following incorrect items remain on my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Amount : {$19000.00} XXXX XXXX XXXXXXXX XXXX Amount : {$8200.00} Original Creditor : XXXX XXXX XXXX ( XXXX ) Amount : XXXX DEPTEDXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

Around XXXX, I opened up a XXXXXXXX XXXX XXXX student checking account to manage my expenses and get my first true debit card. I declined overdraft coverage and elected to deal with the deflected charges with the institutions themselves rather than with overdraft fees. 

Around XXXX, my account was transferred over to Truist in the XXXXXXXX XXXX XXXXXXXX merger . 

XX/XX/XXXX : An auto-occuring ( reoccuring ) payment was submitted for a total of {$25.00}. The bank account was at a total of {$1.00}. 
Due to this, an overdraft fee was charged, totaling {$36.00}. An email was sent indicating low/no balance, but no overdraft fee email was sent. 

XX/XX/XXXX : A XXXX transfer was sent totaling {$19.00}, to cover the {$25.00} recurring charge ( did not hink an overdraft fee was charged, no mention in email ) XX/XX/XXXX : Following multiple emails regarding negative/low balance ( NOT overdraft ), Truist states in an email that I have recieced " no alerts this month ''. Caused confusion as that seems to contradict the other emails. 

XX/XX/XXXX : The balance was updated to be - {$82.00} due to a {$5.00} XXXX payment ( and subsequent {$36.00} overdraft fee ). However, a {$1.00} XXXX payment was charged and an overdraft fee was generated, but then refunded due to it being < {$5.00}. 

XX/XX/XXXX : Balance updated to $ XXXX due to a {$9.00} recurring charge and overdraft fee of {$36.00}. Emails sent. 

XX/XX/XXXX : {$300.00} deposited in-person to resovle further fees. 

XX/XX/XXXX : Asked in-person to speak to a banker regarding the confusion over this situation. Thought proscess included " why didn't they tell me this when I got the card '', " why doesnt locking the card prevent recurring charges '' and " why would they charge {$36.00} overdraft fees on a STUDENT card in which all students are broke as it is. Teller proceeded to deflect, but still refunded {$72.00} of {$100.00} in overdraft fees. I proceeded to tell them that I needed the {$36.00}, as that amount of money would have prevented the whole issue at hand. Teller refused, stating company policy.
Consumer complaint received 2018-10-22
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 — Their investigation did not fix an error on your report
Company: ONLINE Information Services, Inc. (MO)

After disputing account # XXXX, XXXX stated the account was verified as belongs to me. I have requested validation of debt from XXXX  and I have yet to receive the documents. Ive contacted the collection agency responsible for reporting the debt and they sent me a generic printout of an account activity. There is a collection that is reporting to my XXXX  report that has not been properly investigated. I have not received sufficient validation of debt from both parties involved.
Consumer complaint received 2023-12-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/2023, three days after my escalation, the institution notified me that it had suddenly suspended my CD accounts without providing valid reasons amid my complaints and escalation of the issues. See the full text message from the institution.

A so-called " review of potential security concerns and/or irregular activity '' is unrelated to the customer 's actions. It appears the suspension was imposed almost three weeks ago intentionally to discourage or restrict customer complaints.

I am requesting Bread Financial to promptly lift the suspension on my CD accounts without valid reason. If this is not done, I will have no choice but to escalate the matter to higher regulators.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NC)

I had a check bounce and TD bank has my account frozen now. My paychecks are still going into the bank yet they are unwilling to work with me to open the account back up or close it so I can receive my funds. I can't even log into the account to receive my account number or contact support on the secure line.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-11-17
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. (TX)

This is my multiple 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
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: AMERICAN EXPRESS COMPANY (CA)

My card has been fraudulently charged over {$14000.00}. American Express is refusing to reverse the fraudulent charges. Under Federal Law I am not responsible for fraudulent transactions on my credit card.