davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Provided all requested documentation and was denied due to incomplete information. I have all of the emails to the company at the following times sending all information : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All documentation was sent ; however, I was told that they were missing documentation. This is not the case. 

/thank you,
Consumer complaint received 2024-05-21
Product: Credit card — Store credit 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: CITIBANK, N.A. (CT)

I should receive a credit for the charges of {$690.00}. 

On XX/XX/XXXX I ordered ( 3 ) formal dresses to be sent to my home. After 2 weeks my dresses were delivered- on XX/XX/XXXX. 
No dresses were found in my home vicinity or mailbox. When I checked the tracking information, it was delivered by XXXX (? ), no signature, picture, or address confirmation. I have lived at this home for 17 years and never had a delivery issue. 

On XX/XX/XXXX I contacted Customer Service to report my merchandise was not delivered and later received an email that I would not receive a credit or reshipment of the items. I replied to the email XXXX hoping they would reconsider and received no reply. 

On XX/XX/XXXX I again called Customer Service and was told I would receive a credit for my non-delivered purchases. 
On Thursday, XX/XX/XXXX I called regarding the credit not appearing on my account, I was told that information was incorrect and I would not be receiving a credit or a reshipment. I asked to speak with a Supervisor, I was told I would have to wait 10-15 minutes, I asked if the Supervisor could call me and was told the Supervisor would call me on Friday XXXX. Unfortunately, I did not receive a call. 
On Sunday, XX/XX/XXXX I visited the XXXX Macys store and chatted with the On-line Customer Service Representative she told me she could not help but I should call a number she provided and speak with a Supervisor. 

On Monday, XX/XX/XXXX I called the number provided and spoke with a Customer Service Supervisor, she was not able to help me. I finally asked to be transferred to the Credit Card department and initiated a charge dispute. 

Im hoping I can receive a credit for these dresses, this whole experience has been very upsetting and frustrating. I have been a long time Macys shopper and have always received excellent customer service for on-line and in person shopping ( including XXXX at XXXX ) .
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

On XXXX XXXX there were fraudulent charges made towards my debit card which my account is held by USAA. On XXXX XX/XX/2018 I attempted to log into my account to find that my account had been restricted due to possible fraud action. After speaking with a representative, they reversed the XXXX charges that were made on my card in California and Alabama ( I currently work in XXXX ) were reimbursed. I followed all instructions regarding canceling my debit, changing all personal information to include my passwords within the website. On XXXX XXXX my USAA credit card was then compromised, USAA assisted in facilitating the fraudster with accessing all my personal information regarding my account. This person was then allowed to access my account and change all my passwords, emails, phone numbers and so on. The person that got into my account was also then released the information to my external accounts allowing them the access to the basic information to my external account. They proceeded to transfer and over drawl my external account of {$5000.00}, since it was a safe account there were no red flags for this movement of money that wasnt event available. The person conducting this fraud mischief they paid my credit card then started making large purchases, now these purchases were being made when I was on the phone with representatives that told me that they seen the charges happening and were going to stop them, yet they were still processed. I had to take emergency leave to come home and try to rectify this situation and here I am on XXXX XX/XX/2018 with an account that is in the negative and due to the negligence and lack of work ethic I am unable to pay my bills or even purchase groceries for my family. I request that someone please follows up with my wife or I to provide further detail as we need assistance in getting this rectified.
Consumer complaint received 2023-06-09
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: FIRST PORTFOLIO SERVICING INC (TX)

In accordance with The Fair Credit Reporting Act Total Visa, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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
Consumer complaint received 2023-12-10
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: EQUIFAX, INC. (FL)

I have constantly contested the inaccuracies in the following information with Equifax and XXXX and unfortunately, the issue remains unresolved to this day. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-09-26
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. (NE)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-31
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$2700.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION (NV)

A bankruptcy is listed on my credit report along with a creditor by the name of Credit Acceptance Corporation. My identity was compromised and I need these items removed and block as a result of me not creating a relationship with neither company. 

I have never filed a bankruptcy. I have tried contacting the court concerning this matter several times. Please assist.
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

My mortgage company changed servicers effective XX/XX/XXXX. I have been making payments thru my bank for the entire year of XXXX. My bank automatically sends payment on the date I indicate and for the amount of my monthly payment. I have not had any problems the entire year and HSBC has been crediting my payments as normal. My bank made my XXXX payment as normal but towards the end of XXXX ( approximately XX/XX/XXXX ) HSBC called me to ask where the payment was. I immediately checked with my bank and discovered that the payment was mailed over two weeks earlier ( as usual ). I obtained a tracking number from my bank and provided it to HSBC. Apparently, HSBC " misplaced '' my payment for two weeks and they were able to quickly find it once I provided the tracking number. 

I thought this matter was resolved and received a letter in the mail from HSBC stating that the payment was applied to my loan on XX/XX/XXXX. I should have known that HSBC did not do the right thing at this point because the payment was " applied '' on XX/XX/XXXX, instead of being applied on the date it was received ( not the date it was found after HSBC lost it ). To add insult to injury, not only did HSBC apply the funds late, and thereby charge me additional interest, they are attempting to charge me a late fee and a {$850.00} " Property Inspection Fee ''. 

HSBC has been the worst mortgage servicer to work with ever and we've had so many problems with them over the years. Instead of getting into the past problems, we are asking you to please address the issue at hand. I believe they have treated me unfairly and perhaps violated other laws as well. For one thing, they lost my payment, that was made exactly the same as the ten prior payments ( mailed from my bank automatically every month ), then when they find my payment they did not back date the payment to the received date but instead date it when they " found '' it. Then they not only added a {$28.00} late fee but some insane {$850.00} Property Inspection Fee. The payment problem was clearly caused by HSBC, who very likely had the payment for at least 7-10 days prior to applying the payment - in order for them to profit by a late fee and some other, incomprehensible {$850.00} fee.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (FL)

I am writing to express my dissatisfaction with the services provided by One Main Financial. I have been a customer of your institution for some time now, and unfortunately, I have encountered several issues that have left me feeling uncomfortable and pressured. 

Firstly, I would like to address the matter of the unemployment insurance that was offered to me at the time of the beginning of the loan. I never felt comfortable with this option, as I firmly believe that, in the event of unemployment, I am fully capable of finding alternative employment promptly. I am the primary provider for numerous members of my family, and the idea of relying on insurance instead of actively seeking employment does not align with my values. 

Despite expressing my reservations about this insurance, I felt pressured by your representatives to consider it further. I feltthat if I did not accept the unemployment insurance, then I would not beapproved for the loan theway it was explained to me. This persistence made me uncomfortable and did not reflect a genuine understanding of my needs as a customer. I never knew that I had the option to cancel this insurance and get a full refund. I have been paying this with interest since the beginning of my loan. 

Furthermore, I would like to bring to your attention the repeated instances where I felt coerced into reapplying for a loan to potentially refinance my current loan. On multiple occasions, I disclosed to your representatives that my XXXX XXXX is low, and I expressed doubts about my eligibility for approval. Despite this, I was urged to allow One Main Financial to run a credit check to assess my chances of qualification. This pressure to pursue a course of action that I knew would be fruitless was both unnecessary and unwelcome. It demonstrated a lack of respect for my financial situation and a disregard for my concerns. I lost points with hard credit pulls on each occasion of reapplying for a loan on the following dates : XX/XX/2022, and XX/XX/2022. 

As a customer, I expected to be treated with professionalism and integrity. Unfortunately, my experiences with One Main Financial have failed to meet these expectations. The persistent attempts to sell additional products and services, despite my clear reservations, have left me feeling frustrated and undervalued.
Consumer complaint received 2024-03-16
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)

I have been in XXXX XXXX  since XXXX, first recieveing my XXXX XXXX XXXX XXXX XXXX  then beginning my XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX. During the summer of XXXX, I was informed that my student loans were transferred to NelNet. NelNet then informed me that I needed to start making payments on my loan, only XXXX XXXX XXXX XXXX XXXX XXXX graduate program. After calling and asking questions, I submitted a Graduate Fellowship Deferrment Request in early XXXX of XXXX. I never recieved any notice of the form being recieved or processed. In early XXXX I recieved notice of an overdue payment, so I called NelNet about my deferrment. The customer service agent informed me that I would need to resubmit the form as the files were corrupted, and appologized that I hadn't recieved notice, citing the restart of payments as the cause for delay in processing my form. The agent then placed an administrative forebearance on my account to pause payments for processing, which I was informed could take up to 90 days. I never heard anything until recieving notice of another payment being overdue in XX/XX/XXXX. I called NelNet again and I got the same story from the customer service agent, only after I was told first that I had never submitted my form, and they had no record of me ever attending graduate school. They specifically stated that the last record they had of me was of my graduation from my XXXX in XXXX. The agent then assured me that they would resubmit my form and contact the department responsible to be sure that I recieved status updates, and that my account would be placed under forbearance again. This call was at the end of XXXX, and I still have yet to recieve notice of the status of my request.
Consumer complaint received 2024-04-17
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)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

Hello, so basically I sell digital goods on paypal and have been conducting this business for 3 years now. On XXXX XXXX, Paypal issued a verification of my account and asked for proof of fulfillment for my customers and my id. I sent all the necessary information, including id, proof of fulfillment and supplier information. After 24 hours I get a response that my account has been limited permanently because in their information I am XXXX  which I am not or I live in a country where paypal doesnt work ( which is not true becauee XXXX is accepted ). In my opinion this is a mistake done by their part because I can't find a logical reason why account is banned. This is the reference id : XXXX for my limitation. Also my credit card is being held captive by Paypal since I am not allowed to delete it from my profile.Would appreciate if you would consider the case because I feel like sometimes we can't do anything when it comes to big coorporations like PayPal and I wish it would be different.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back in XX/XX/2019, I checked my Bank of America checking account. I noticed several fraudulent transactions totaling over {$600.00}. I immediately contacted my bank, they were able to refund the money as an investigation was put in place. Fast forward to XXXX, I received a letter in the mail from Bank of America ... I didnt read it as I thought it was stating that my claim was resolved. Later to find out in XXXX that the money that was refunded to be was taken back. Again I immediately call to see why, Bank of America stated that I made false claims and no fraud had occurred. I demanded for the claim to be reconsidered ( escalated ). The rep said she would put that in for me and for me o contact the merchant meanwhile and submit a written statement. I call the merchant ( XXXX ) they tell me my name, phone number, and email address is not associated with any account and they can not help me for me to contact my bank. I wrote my statement, send it to Bank of America through Fax and tell them what entailed during the conversation with the XXXX rep. They continue to tell me to check back later. Now this was a Friday, theyre closed Saturday-Monday and reopen Tuesday due to XXXX day. I call Tuesday to find out that it might be reconsidered to call back at a later time. Now Wednesday early afternoon, I call again an they tell me they are only refunding me {$160.00} because they came to an agreement with the Merchant. Now I immediately asked them why only {$160.00}? Especially because that {$160.00} charge was made in two transactions. The bank said this is all they can do for me because the investigation didnt come back as fraudulent. I continued to let them know that this doesnt make sense because here was so many charges to my account which all added up to a higher amount and they were only going to refund a portion. The rep said thats all they could do and basically theyre job is done. I asked to speak to a higher up and its the same thing. The supervisor couldnt do anything and for me to basically be happy I got {$160.00} out of over {$500.00} back. No explanation of how those charges made it to my account, no name of the person who did this, and no REAL investigation was done. I refuse to take this as a loss, this was NOT my fault, the bank should have the customers back instead of flipping the story and saying it wasnt fraud. FURTHER REAL investigation needs to be done. The person is still out there getting away with this, and it will continue to happen to innocent people. Hard earned money, gone, and refused to give back.