davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I refinanced my mortgage with another bank in XXXX and was owed my escrow account from Nationstar mortgage. Nationstar keeps telling me that they have sent me my refund via mail ( XXXX checks for {$1800.00} and {$220.00} ) but it never arrives. I 've done this 3 times since XXXX with the last refund check supposedly being sent overnight on XXXX/XXXX/2017. After reviewing complaints on the internet, Nationstar Mortgage is currently being investigated by the Better Business Burral. I 've have read multiple similar complaints about this company
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 2017-09-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Chaplain Financial Services LLC (RI)

I keep receiving phone calls fro CFServices LLC, stating that they will contact my place of business and that my supervisor and or manager will have to sign documents and present them to me personally. i never heard of these people they do not specify who they are or what they are calling about. they have left threatening messages at my home, work and on my cell phone. 
its a recording that comes from a local number XXXX and tells me to call XXXX reference # XXXX and that if i do not they will serve me at my place of employement
Consumer complaint received 2018-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had check my credit an found some late payments on my credit report, I have written 4 letter to transunion and XXXX   requesting a validation or deletion of these inaccurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA section 609b, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call, etc.. .XXXX  has removed this inacurate or unverified reporting, I have sent a copy of it.

This is a clear violation of the law and it will be reported with FTC, for these violations as well as this complaint constitude proof in a court of law for litigation.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 DEPT OF ED XX/XX/2023 DEPT OF ED XX/XX/2023
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 

Account Name : XXXX XXXX has violated my rights. 
Account Number : XXXX Account Name : XXXX XXXX has violated my rights. 
Account Number : XXXX Account Name : XXXX XXXX has violated my rights. 
Account NumberXXXX 15 U.S.C 1681 section 602 A - The section that affirms my right to privacy and confidentiality. 

15 U.S.C. 1681 section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following information items. 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 accurate.
Consumer complaint received 2018-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been in a training program since XX/XX/2015, and filed the pertinent paperwork for deferment.

Despite doing this ( with the help of my universities - XXXX and XXXX ), Navient still charged me hundreds of dollars in interest! I have called to complain multiple times, and every time I get a representative who doesn't seem to understand the problem and has trouble communicating in English. I have also submitted documents through their website, and they seem to fall into a black hole ( and don't show up in the " sent '' section of my inbox on their site ). I have also emailed their " advocate '' at XXXX.

Please help me deal with this company, so I can get rid of this debt once and for all ( and I will never borrow money again ).
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

There was a charged item in the card statement in XX/XX/XXXX for a XX/XX/XXXX charged item {$56.00} plus. I disputed the amount and never been resolved. Subsequently I requested to close the qccount in XX/XX/XXXX and until now the account is open and accumulating interest and late fees. Please keep this complaint in your record file against Barclay or Credit Card Service with business address of XXXX XXXX XXXX, XXXX, DE XXXX.
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (OH)

On XX/XX/2018, 2 purchases for {$400.00} and {$250.00} was made on my card in XXXX, MD at a XXXX store. I've never been in XXXX, MD nor did I give my card to anyone. I was not able to report the transaction to the credit card company till XX/XX/XXXX. XX/XX/XXXX received paperwork, including a police report to dispute the transaction. The credit card company agreed to refund the entire amount of the purchase on XX/XX/XXXX. On XX/XX/XXXX, the money was put back in my account and on XX/XX/XXXX the credit card company took the money back out.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (UT)

Date : XX/XX/2018 Amount : XXXX US dollars On XX/XX/2018, I took my money, XXXX US dollars, to this Chase bank locate at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX. I put the money into the tube at the drive thur only wriiten down the amount on the envelope which hold all the XXXX US dollars. At a moment later I got back the tube and the receipt shown only XXXX US dollars has been deposited. I questioned the teller and he hand me a sticky note with how many of each dollar notes I gave them. As far as I know I got XXXX XXXX dollars notes, XXXX XXXX dollars notes, XXXX XXXX dollars note and XXXX XXXX dollars notes in the envelop. But on the sticky note it only showns I have XXXX XXXX dollars notes deposited. I triple check with the person who hand me the money and he was sure there is XXXX XXXX dollars notes. The teller and the manager did 2 balancing and they told me it only has XXXX cents off. I suspect the teller may had hold on to the cash and I demand watching the XXXX. The manager told me he doesn't know how can I access the footage.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion, has alerted me that my background information is being furnished with inaccuracies. I then contact the source that was provided and was informed by XXXX XXXX  the furnished that information to TransUnion. I then contact TransUnion for accuracy and furbishers information. I was given countless numbers to call with no result. I was told that the information wouldnt appear again but it has. I have prove that this information that is being furnished are inaccurate.
Consumer complaint received 2018-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I ran my credit report and soft inquiries have been run on my report for things that I have not authorized, as well as seeing an address in my credit report that does not belong to me. Also every 2 weeks I get text notifications stating that money has been deposited into a payday loan and that payments on a payday loan have been made. You can see the soft inquiries on the credit report I have run and I will start to save the text messages.
Consumer complaint received 2024-03-21
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: LD Holdings Group, LLC (PA)

Loan Depot located in XXXX, PA has pulled a hard pull on my credit report without my permission on XX/XX/XXXX. I initially spoke to XXXX XXXX ( Loan Officer ) on XX/XX/XXXX, and specifically confirmed that my credit would NOT be a hard pull and he promised this would strictly be a soft pull ( as one other lender had done for me at that point ) and that I did not have all of the details I needed to move forward in order to be justified to do a hard pull. I could not have been more clear, and repeatedly he confirmed this was only a soft pull. 

He asked I send him my Drivers License, XXXX tax returns, and pay stubs to review to just give a general idea of my eligibility at first glance. This was provided to him on XX/XX/XXXX, and I followed up on XX/XX/XXXX after not hearing back. The call was not answered, and he immediately texted me he would call back in 30 minutes. Immediately after the text, I received an alert on my credit tracking apps showing there was a hard pull on my report. 

I texted him immediately and asked why he had pulled my credit on a hard pull after I was blatantly clear that I was not okay with doing so or moving forward until I had the info we discussed. He called immediately at that point, and claimed he did not understand that. He flat out lied in both conversations, and in this call tried to deflect by stating the government wants at least XXXX credit pulls from different lenders when applying for a mortgage. Yet again, I responded with stating I never was applying in the first place as I didnt even know I was moving forward with the purchase of the house and didnt even have a purchase price to give him. He then tried to deflect again and said this only stays on your report for 120 days and falls off and this will not affect your score. It absolutely does, and it DID. Both of these statements he made were made via text and phone call, I do have these saved. 

Again, I couldnt have been more clear with him. He then outright said I would be preapproved based on what information he had trying to deflect the actions he made, then later in the conversation stating the complete opposite and said he needed my XXXX tax returns because based on my XXXX returns I did not qualify. 

I will be disputing this credit inquiry, of course. Loan Depots practices are disgusting and shady. Im now extremely uncomfortable they have any of my information at all. I will be reporting them everywhere and anywhere possible.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

Visited a XXXX XXXX mattress store and was approved for a credit limit of {$8000.00} via Synchrony bank. After careful consideration, I decided against a XXXX XXXX product and visited a XXXX XXXX mattress to use my {$8000.00} synchrony credit only to be denied. I was encouraged to file an application for credit with Synchrony via XXXX XXXX only to have my credit denied! A week and a half after, I visit another mattress store Mattress Firm, again financed through Synchrony. I explained my dilemma and was asked to apply once more only to have my credit declined! It seems synchrony is applying consumer punishment for failing to purchase through their partner at XXXX XXXX. 
I am also yet to receive their reason for their continued denial. 

Is this not a violation of the Fair Credit Act? Please advise. 
A very disappointed Synchrony customer, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

I XXXX for XXXX XXXX Filled out a application for a credit card an was denied Credit extended Wells Fargo Defaulted on my application an placed negative inquires on my report there XXXX says " To ensure equal an fair treatment of all wells Fargo customers wells Fargo Defaulted on my application I no it was financed an I was charged.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The three credit reporting agencies are having names on my credit reports that is not for me and address that I do not leave in. I have requested that it must be removed and nothing has been done. 
My name is XXXX XXXX. No other names should be in my credit report. 
my Adress is XXXX XXXX XXXX XXXX XXXX ny XXXX no other address should be in there.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (HI)

I did not authorize anyone employed by XXXX XXXX XXXX  to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Consumer complaint received 2023-11-06
Product: Credit reporting 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, 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 an account without my written instructions.
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (PA)

Ive been a chime customer for few years now. My direct deposit is missing. I get paid every other Thursday. XX/XX/2023 is my pay day. I havent received my direct deposit. I reach out to chime on XX/XX/2023 and they inform me they havent received it yet when they do theyll post it. My direct deposit is never late. So I reached out to my employer XXXXXXXX XXXX XXXXXXXX XXXX confirmed they set their payroll out that Tuesday XX/XX/2023 and there wasnt a delay. They also provided me with the federal reserve tracing number so I can track it. I called chimed back to provide chime with the tracing number to locate my direct deposit and they said they have no way in tracking it. So I called my employer back. My employer found chimes processor which is XXXX. XXXX confirmed that they received my direct deposit XX/XX/2023 and sent it over to chime. That Friday what I talk to a supervisor he confirmed he sees my direct deposit it say payment pending but its not released. I should get my direct deposit that day Friday XX/XX/2023 which I didnt. I called chime back today XX/XX/2023 and they claim they still do t have my direct deposit. They dont try to look up my direct deposit with the ACH number I provided them with. I have 2 different entities saying confirming that it was sent to chime and also proof from the ACH number. Chime is holding my direct deposit, and keep giving me the run around. My employer talked to XXXX as well. Chime also emailed me saying we notice something changing with my direct deposit, which I did not change anything. Chime is messing with my direct deposit.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (IN)

I received a letter regarding a levy. In addition to Chase holding the levy amount they wanted an additional duplicate levy amount indicating they were not allowed to release the levy amount. After weeks of going around in circles and assistance from the government agency we were able to get Chase to release the levy amount so I could be in good standing with both the government agency and Chase checking account. I have incurred nearly {$1000.00} in charges from over 20 nsf fees of {$34.00} over a period of 6 weeks. In addition, I had paid an additional {$30.00} stop payment fees to keep a couple of creditors from accessing my account. Those transactions were initially allowed and then returned after incurring more nsf fees defeating the purpose of the stop payment fees not to mention requesting a new debit card which creditors are able to access without my permission.
Consumer complaint received 2023-05-08
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: Amsher Collection Services, Inc. (AL)

Amsher Collection SE broken all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Consumer complaint received 2023-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My student loan servicer- Nelnet has said that if I pay ABOVE my monthly payment, any amount above my monthly payment needs to be allocated towards any interest on my loan. They are not allowing me to put extra money above my monthly payment on principle. This should be allowed according to the student loan borrower assistance XXXX XXXX XXXX XXXX. I have made this clear to the department of education as well as Nelnet and have submitted complaints, the dept. of education simply forwarded the complaint to Nelnet and Nelnet responded by sending me a document with my " payment history '' and a letter telling me I must pay interest first. I was asking about future payments for after the Covid pause. Past payments are not relevant at all. I am getting the run around and no resolution at all. I have 14 federal student loans of various amounts and each has some accrued interest ( for those before covid ) I asked about payments over the phone on XX/XX/XXXX, and reached out and submitted a complaint through the dept. of education XX/XX/XXXX, then got a response from Nelnet XX/XX/XXXX. Please note Nelnet didn't really address this at all. I would be happy to provide documents, and loan details and email received from Nelnet if needed. These are unfair, abusive and deceptive practices to collect more money from the student loan borrower. Thank you for your attention on this very important matter.