davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (IN)

As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an XXXX XXXX are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with Nationstar mr. Cooper XXXX? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.
Consumer complaint received 2024-05-10
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: Self Financial Inc. (MI)

I was looking to buy a house and notice I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damnages on your credit report and is a defamation to you character
Consumer complaint received 2023-04-21
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX  XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-16
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. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Navient Solutions, LLC. (IN)

I attended XXXX XXXX XXXX and the XXXX  time I attended. I had XXXX class to complete to receive my diploma, but they added another class after I paid the XXXX to take my XXXX  class and during this class I was kicked out of the test by the system and not allowed back in the test, not allowed to complete it and subsequently after that I was dismissed from the class when I had a average in the class so there was no reason for me to be dismissed from this class the middle of the class they wanted more money and had me fill out paperwork that did not pertain to the class They will not provide me with my grades or transcripts from the last class and they refusing to give me a unofficial or official transcript. They want me to pay for another class and will not let me use my financial aid that I qualify for.
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have had a very difficult time with OCWEN. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives. We are over out hardship and can afford our mortgage. 

Ocwen has denied us stating they can not lower our payment by 25 %. This sounds like fraud to me, when does anyone get their mortgage reduced by 25 %! We are NOT asking to lower our mortgage payment. We are simply asking to get back to current.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For more than XXXX ( XXXX ) years I have been receiving email notifications about my mother-in-law 's account at Bank of America. These emails include information about account balances, checks, and financial transfers from XXXX account to another. I am not and have never been a signer nor an authorized user on this account. My mother-in-law, husband, and I have all contacted BoA by phone and email on numerous occasions to stop the emails, but to no avail. In the last XXXX hours, I have received XXXX more emails providing information that my mother-in-law does not want me or anyone to know. 

I have called at least XXXX times and emailed XXXX times. I would conservatively estimate that between my husband, mother-in-law, and myself collectively, we have spent at least XXXX hours on this.
Consumer complaint received 2021-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I fail to understand why Forbearance can only be extended up to 18 months if started on or before XX/XX/2020. I started on XX/XX/2020 and am still unemployed struggling to survive with a family of XXXX to support. I am starting an entirely new profession and will be attending school for 4 months which is full time, therefore, I will be unable to work a job and attend school. This absolutely makes no sense what so ever that if I started a month earlier, which I didn't need to as I still had a job at that time, I could extend another 6 months. Please someone explain this to me ...
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

I was traveling overseas in XXXX XXXX last year and lost my wallet at a restaurant while visiting a friend. I reported this immediately to Chase the next day when I realized this and called the restaurant to ask if anyone picked up my card. I received notice that my wallet was found. I went to get my wallet but noticed a large transaction had occurred on XX/XX/year> totaling {$1700.00} while it was lost. I told Chase about this and said that it wasn't me. I also told Chase that this was the only credit card I had overseas and that I would be overseas for another XXXX weeks and asked if it was ok to keep using this card and get it replaced when I returned. The Chase representative said that was fine. When I returned after a few weeks the Chase team that was overseeing my dispute said that it was not fraud since I had kept on using the card even though I reported it as fraud and asked permission to keep using it. In addition, I had said that I never have had a transaction this large and I provided photo evidence of me texting friends on that date saying that I had lost my card and photo evidence of me calling the restaurant. After 6 months I have still not had a resolution from them even after long waiting times and being confused at which team I was talking to. In addition, I have gotten very angry and confrontative phone calls directly from Chase employees regrading this matter. Please help.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I took a taxi from XXXX airport in XXXX to XXXX XXXX in XXXX. The agreed amount on the transaction was {$10.00}. After agreeing, I was taken to pay by card. I tried my credit card but the credit card declined the transaction. I then tried debit card and the transaction was accepted without me entering a pin, and without a receipt. The transaction on my bank appears as : PURCHASE XXXX AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX. The taxi company, disguising itself as a supermarket, charged {$180.00}. I promptly submitted a claim to wellsfargo on XX/XX/XXXX and they conducted their investigation and gave me provisional credit. After XXXX month, Wells Fargo rejected my claim.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XX/XX/XXXX I was approved for a XXXX  checking account and noticed I could only log in on my PC, but not on the mobile app. after a couple of days, I noticed I could no longer log into my account on my PC. I decided to wait some days for my debit card to arrive to try to re-enroll in online banking. I couldn't activate the card online and so I had to call support. support told me that my account was in the process of being closed due to suspected fraud. they had not even sent out an email or anything saying in advance about my account being closed. I have yet to receive my check of the initial required deposit, but I will wait as mail can be slow.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (OH)

this company is reporting inaccurate information on my background report that's causing me grief and financial hardship. this is defamation of character and is causing me XXXX  XXXX from these citations being reported not being removed from background report that's still reporting after I gave proof of affidavit and police report from identity theft and they still remains.
Consumer complaint received 2024-05-10
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: AMERICAN EXPRESS COMPANY (GA)

I have hard inquiries on my credit report that I didn't authorize, I have filed a FTC report as of XXXX XXXX The inquiries are XXXX XXXX XXXX XXXX XXXX AMEX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

Case # XXXX This case was filed over a month ago and all requested paperwork was sent and received. There has been no action taken by citizens bank to transfer the funds to the estate trust account provided by the estate attorney. Also no one has provided any information regarding this matter. No return phone calls or email responses.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Hello, my name is XXXX XXXX, I have an account with the Citizens bank. I get my salary as XXXX XXXX every 2 weeks for the past 2 years. The bank used to release my money on the 2 nd business day after it had been deposited. Lately they started holding my money for 8 to 10 days, even though there is money on the company account, I have checked with the Payroll lady. My bank account number is : XXXX This is my 3 rd check that is being held. I have to pay bills and I can't because they keep doing it. Please help if you can. 

Thank you.
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/XXXX at around XXXX I was trying to purchase parts for my truck I sent money via XXXX  XXXX  first for the amount of {$120.00} as an initial deposit. Then about an hour later I sent the remaining {$1600.00} via XXXX XXXX. I was told by the seller he had the money and to message them in the morning. As of messaging at around XXXX that morning I messaged them and everything came back as not sending and I got no response after that. I first tried reporting everything as a scam to both XXXX and XXXX XXXX to try to get my money back that way but neither one could do anything about it. I called the state employee ls credit union and at first told them it was fraud to try and get the money back and they said theyd look into it and itll take 7-10 businesses days. I waited the full 10 days and was told that they didnt find anything so I told them I got scammed and said the exact same thing here. Today I got a letter in the mail saying I shouldve known better when I didnt know that it was a scam.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (KY)

Charles Schwab had someone call me regarding the complaint I filed they asked me questions and I answered honestly they asked me if I received a phone notification for my money to be drawn out I stated I did not receive anything and did not authorize anything this bank is very unprofessional and Im very disappointed in their actions
Consumer complaint received 2023-06-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I filed the first response to show the dispute letters I sent to dispute the accounts. This is the letter I sent next asking them to respond before I submit that document here!
Consumer complaint received 2024-05-09
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. (WA)

I have got mixed-file issues with Experian XXXX  times since XXXX, I don't have issues with XXXX or XXXX. I saw accounts, inquiries, public records, names, addresses and phone numbers that didn't belong to me. In XX/XX/XXXX, I even saw XXXX or XXXX names under the name section. I tried to contact XXXX of the people who had been mixed-file with me through their phone numbers on my credit report, XXXX lived in the same apartment as me but with a different room number and the other went to the same university as me and have a mailbox in the same building as me ( different number ). Neither of them have a ssn at the time I called, while I have XXXX. The mixed-file issue has been hurting my credit score, and it's hard to detect if I don't check my credit report manually. 
The reasons I want to file an complaint are XXXX ) This issue is happening again and again, this year in XXXX, I found the issue in XXXX ( not sure when it happened ) and submitted a dispute through phone call. I checked again in XXXX and found new mixed people and some names who should have been deleted by last dispute, it's still there. I submitted another dispute. But then I checked again in XXXX, and there are still names that haven't been removed. 
XXXX ) Representatives from Experian refused to explain the reasons and prevent this problems from happening again. I have spoken to multiple representatives from dispute, fraud, mixed file departments. They either said they didn't know, or suggested me to set up a fraud alert on my credit report, even after I explained that I thought this's a mixed-file issue. The lady from mixed-file department said she didn't think this's a mixed-file issue, because she didn't see any other ssn ( the XXXX people I contacted didn't have ssn, and some information had been removed after my previous calls ) and hanged up my call before I finished my sentence. I've tried a few times asking for a cause why I got mixed file multiple times and only with Experian, and if there was anything I or Experian could do to prevent or reduce the possibility for this to happen again, but couldn't receive any response from Experian.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

Hello, I contacted Chase credit card member services at XXXX XXXX XXXX, XXXX, DE. I contacted you to get information in regards to the debt that is owed to account number ending in XXXX. I do have the billing statement that you sent to me. I am willing to settle {$1000.00} debt for {$400.00}. Ive been a consistent customer with the company and was dealing with hard times and student debt and could not afford to pay my credit card back with good faith and honesty. I would like to settle for {$400.00}.
Consumer complaint received 2017-09-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore took over my servicing I have tried to contact them requesting loan modification packets and get letters making offers for short sale or them giving me money to move out but NO INFORMATION ON A LOAN MODIFICATION. I believe they are stalling until the sale is complete next week.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

I have a delinquent DISCOVER BANK account on my XXXX credit report since XX/XX/year>2017 which does not belong to me that I tried disputing with them but it still keeps showing. 

I have had identity theft issues in the past that I have made them aware of but still no solution. 

I would be Grateful for an assistance to solve this issue, IN ANY CASE THIS ITEM IS ABOUT 7 YEARS ON THE REPORT.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ARVEST BANK GROUP, INC. (AR)

I filed a XXXX and XXXX  clain on XX/XX/XXXX through Arvest bank account insurance. I called on XX/XX/XXXX because I could not get into my online account and they told me they were closing my account. They did not have a valid reason for closing my account. That same day I received a letter in the mail requesting additional information for my XXXXXXXX claim. On XX/XX/XXXX, a letter was sent out by Avest declaring they are clsoing my account. It appears that they are closing my account because I filed an insurance claim.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

I have been making on-time car payments since I purchased the car in XXXX XXXX  and they have only reported payments up to XX/XX/year>. They are 7 months behind in their reporting to credit bureaus which is affecting my credit score and I am unable to get approved to for other loans, approved for credit cards, etc.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc. (CA)

I have reached out to XXXX  XXXX  and as well and the 3 credit  reports and going back and forth for validation. I applied for XXXX XXXX  have yet to see it reporting on all 3 bureaus.