davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (ID)

I had lost my job and I tried to file a modification on my mortgage and Nationstar Financial denied me. I had met the criteria but they continue to deny me. I have started a new job as well as my wife. I ask for a forebearence to pay what I am behind. They bought the loan from XXXX XXXX XXXX and I had issues with them as well. I want to save my home or I will be homeless. I am a XXXX veteran and tried to go through every assistance program possible and yet no one can or is not willing to help.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$4900.00}.
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Saturn Systems, Inc (GA)

15USC 1692c ( c ) clearly stated If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I was also harassed and threatened over email by this company who I did not receive services they promised when they promised after payment was made. They used very disrespectful wording in emails and I have Proof.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-06-06
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. (CT)

XXXX acct XXXX. I turned in daughters lease in Mississippi In XXXX. Probably over a year later my daughter gets random phone call from XXXX saying we owe over {$2000.00} on that car. No correspondence, no breakdown. I reached out to XXXX asking for this information. I called several times to arrange for payment plan but each time I called it was like the first time calling. Very frustrating. Mind you I was never late on lease payment and I have excellent credit. At some later point I receive a letter stating a negotiated price of payoff of XXXX. But of course that amount was due in 2 weeks or so which I didnt have. I did send them the XXXX amount but probably 2 months later. I figured it was paid off. Then my credit score takes a hit of over XXXX point down because I now have a delinquent charge. I reached out asking for it to be removed but they refuse Its so unfair and such poor business
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (PA)

On XXXX XXXX, I tried to activate my card. The activation site did not work on 2 browsers, so I called the number on the back of the card and I think it was finally activated. I then tried to add it to my wallet. Again. online did not work so I called the number on the card. They began asking an unusual number of verifications and then told me to give them my cell phone and proceeded to tell me it was " unauthorized '' I asked why and they told me it did not " meet the criteria ''. I asked what criteria and was told I can't tell you that until you give me another phone number. I asked for a supervisor. I got XXXX, This began all over again. Same process. Told me the number was not authorized. She asked for another phone number and I asked why. Against my better judgement, I gave her my home phone. She said that was unauthorized. This process is very suspect. Why they think my phone number is not good I have no clue. When a supervisor does not explain, this is not acceptable. I told her I wanted to close my account and she told me that she couldn't do it and needed to send some letter. I called back again and asked to close me account and was told no. I needed to verify the account and go through this process that doesn't work. I asked for a supervisor. This supervisor, XXXX, would not close the account and said " wait for the letter if you won't go through the verification process. I asked for her supervisor 's name she said you are at the highest level. I said that she had a supervisor but she refused. This process is convoluted and to not be able to cancel a card within a reasonable period of time makes no sense.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a {$5.00} parking fee with a transaction date where I was not only wasn't in the state where the charge was issued, but on a date where I knew I had no parking charge. Since the card was in my possession the whole time, I was charged this fee despite the fact that there was no way it could have been me. I suspect that the transaction date was incorrect, but Capital One failed to provide me any information.

Capital One agreed to send me a new card on XX/XX/XXXX. 

On XX/XX/XXXX I called on the status of the card and was told it would take 4 to 6 business days and that the card arrive no later than XX/XX/XXXX. 

On XX/XX/XXXX I called the company again, and was told that the card was sent out XX/XX/XXXX ( a Sunday ). They said they decided to replace both cards as they were both coming up for renewal. This showed that I was lied to in the XX/XX/XXXX call. I was told that the card would arrive no later than XX/XX/XXXX Today, XX/XX/XXXX, I called again and was told that my cards were went out on XX/XX/XXXX. This showed that I was lied to on the XX/XX/XXXX call and I have little reason to believe that I am being lied to this time which is the reason for my complaint. I have talked to Supervisors in all my calls I am angry that Capital One couldn't explain how the parking charge could possibly be mind. When I asked to have them check the transaction date, they said " That is not part of our process ''. I am angry that every time I call I am lied to
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (HI)

I am from the XXXX, I live in XXXX XXXX XXXX as well as XXXX, I have my checking and savings account with PNC bank in Nevada where I get my social security and VA XXXX money every month, I used my debit card to take money from an ATM machine near my house to pay my bills here in the XXXX every month, I sometimes use my card for other things like food and so forth but most of the time it is in my draw. 

I went to the ATM machine to withdraw some money again and when I did it said no funds available, I went home and looked at my online account to see someone had take money from an ATM machine about 2 hours away from me 8 times in the last 10 days but they also took money 4 weeks earlier at the same ATM.

This was not me or my card!! someone got my card number and my pin number and withdrew {$1900.00} out of my bank account. 

I reported it to PNC and they declined to refund me the money that was taken saying the same card and pin number was used to take the money out of my account, The dates are and the amounts are 1 ) XX/XX/year>, XXXX 2 ). XX/XX/XXXX. XXXX 3 ) XX/XX/XXXX. XXXX 4 ) XX/XX/XXXX. XXXX 5 ) XX/XX/XXXX. XXXX 6 ) XX/XX/XXXX. XXXX 7 ) .XXXX  XXXX. XXXX 8 ) XXXX. XXXX. XXXX I called PNC on XX/XX/XXXX to report what happened and I called back on XX/XX/XXXX and they told me they would not refund me the money and would look into it again but no credit to my account was given. 
Thank you XXXX XXXX
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (LA)

On or around XXXX the XXXX or XXXX of XXXX  I was checking my credit report and I seen where I had a new where my credit score had went down from XXXX to XXXX say and I looked on there and it's just collection agency that's on there plaza services and they have put up a collection on me and they hadn't got in touch with me I haven't talked to these people I don't know who they are or nothing or what's going on with it and they've already put it on my credit report they haven't got in touch with me none and I think that's wrong and against the law I got XXXX grandkids I'm raising XXXX and XXXX and I'm XXXX  XXXX and I was trying to borrow money to get to school clothes and school supplies and now I don't I can't get nothing these people has messed me up for not getting in touch with me and I think that's wrong I'm XXXX  I can't sleep I can't eat I barely can't get on here and do this this is the third time I've done tried I can't find my screenshots to put on here but every time I do I get kicked off and I don't get to say what I got wrote but once I get this road I'm going to try to get off of here and go get the screenshots and then I'll get back on here and send them to you but I know it's plasma services that's all I know about these people and I know they're wrong for what they do they did that just to mess me up I can't get on my XXXX account they saying it because I got a dispute going away disputes over I tried to dispute this thing with these people with the plaza services and they said they changed the wording on it that's what XXXX XXXX  said and I don't see nothing changed I'll try to get the screenshots to y'all I'm a nervous wreck I just don't know what to do thank you XXXX
Consumer complaint received 2023-04-28
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. (GA)

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on accounts are a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I opened a business credit card account with Capital One and they started reporting transactions to my personal credit, which I didnt opened this account for. It is not listed in the agreement prior to opening this account that this business credit card account will be reporting all transactions to personal credit accounts. This is my dispute I reach out to capital one and they said it is what it is they cant do anything the business credit card reports to personal credit. Which is not right Im using this account for my business under my business name and capital one is doing improper and misleading advertising about this Capital One Spark business credit card.
Consumer complaint received 2024-07-30
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: DISCOVER BANK (MA)

Im a customer at Discover Bank I was sent an invitation to apply for a personal loan I applied and was approved I went through the verification process and there was an issue with the last step which was uploading my my ID I called the number I was instructed to call and was told by the associate that government issued IDs werent accepted as form of identification I was basically mislead by Discover bank and their mail solicitation
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In brief, the matter is about an unfair decision in my view regarding your closure of my account in 2018, at which time I resorted directly to XXXX XXXX XXXX CEO of Chase Bank, as I received a phone call from a member of his office, who indicated that such decisions could never be disclosed, and which left me to guess and I did not come up with a convincing reason, as I have not and will not commit what could be considered a violation of banking rules and customs in any way where they closed my bank accounts, which caused a huge loss in addition to moral damage.
Consumer complaint received 2024-07-01
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: Meta Payments Inc. ()

Dear Sir/Madam My name is XXXX. I am a student at XXXX University XXXX. I am from XXXX and my credit card is from XXXX XXXX. On XXXX XXXX there were XXXX fraudulent transactions on my credit card. Total amount was about XXXX XXXX dollars. I did not receive any OTP. But the bank blocked it after transactions. Next day I found out. I registered a complaint against these transactions and asked for a refund. XXXX was XXXX Meta Platforms , Inc. I know XXXX provides refunds. But XXXX provides only XXXX transactions in refund. I am a student, I can not pay an amount of XXXX dollars. They are not helping me. Even when I called them from XXXX they canceled my call. I complained to them more than XXXX times. I only want all transactions amount back. I complained about that to banking court, but no response. No, my concern is that why XXXX don't have any system to compliant. I tried my best to contact to XXXX for refund but I failed. Why does XXXX XXXX XXXX XXXX has customer with criminal activities. Definity someone who purchased advertisement by hacking my credit card belong to any other company. A common person or hacker don't purchase advertsiments. It will be company. Its mean XXXX XXXX XXXX XXXX support these companies to run its own business. My XXXX XXXX XXXX is XXXX. 
Regards XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (LA)

On XX/XX/year> I paid the amount agreed to in the settlement letter to pay to delete to security credit services through there lawyers XXXX XXXX. Because they took legal action against me and opened a lawsuit against me.they sent me a letter in the mail stating I can pay a certain amount to settle the debt or take a risk of going to court and being sued and losing. I decided with the threats and legal action taken against me to settle the debt out of court. I paid the debt. The debt cleared on the XXXX of XX/XX/year>. But security credit never reported that the debt was paid. The lawyers they had XXXX XXXX. Said I would receive a letter stating the debt was paid but I never received it. And Everytime I have disputed the information as paid and settled and deleted it is never updated by XXXX or XXXX. XXXX XXXX has the debt by security credit services duplicated and on my account twice for the same debt. They are damaging my credit with reporting false information and violating my rights. I would like this information removed. XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX of XXXX. XXXX XXXX president of security credit services and XXXX XXXX. And XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I set up forbearance with XXXX and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from XXXX ). However, XXXX reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to XXXX XXXX XXXX department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of XXXX  ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders. Please note that XXXX has updated the status and reported correctly with only XXXX. XXXX hasn't reported correctly on XXXX and XXXX.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

In XXXXXXXX XXXX XXXX, my wallet and my phone was stolen I had over XXXX gone from my account because of that and I dispute with chime in XXXX XXXX XXXX to get my money back and and they refused to give my money back for this I sent polices reports and prove my location and did 6 rebuttals with them and keep refusing and saying they dont see an error when I show them everything including writing them note tell them about the situation
Consumer complaint received 2023-06-02
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)

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.

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc (VA)

XX/XX/year> : Received questionable e-mail regarding purchase of an XXXX laptop {$1800.00} on a PayPal acct in my name ; Called support number and they asked me to verify my name, last four digits of social security number ; PayPal support routed me ( questionable ) to Head branch of XXXX  XXXX XXXX to confirm my identity and that identity theft was done ; they routed me to (? ) FTC where XXXX XXXX XXXX ( senior investigative officer XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, case XXXX XXXXXXXX ) told me that they would suspend all XXXX XXXX XXXX checking and saving accounts and that people at my local branch would be suspect of stealing my identity. To catch criminals, would send an FTC and Social security officer to my local branch, but screamed at me when I asked for the address where I bank.
Consumer complaint received 2024-07-22
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. (MI)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late Credit XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late XXXX $ XXXX update to never late XXXX XXXX XX/XX/year>