davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Nation star is refusing to investigate anything properly or verify anything because if they verified or actually did a proper investigation on remic with the security exchange commission on XXXX reperforming loan remic trust certificate series XXXX. So as shown by Nation star mortgage a official United States Security Exchange Commission document is invalid. Can anyone in Nation star mortgage actually read the documents and do research instead of copy and pasting documents? Can any one in nation star mortgage actually provide us with the actual correct documents we asked for and quit providing the same documents we provide to them right back to us? It is perfectly clear that nation star mortgage is on purpose refusing to actually investigate all documents provided by us and refusing to provide what we ask for sayin internal use only. Also you can reference control numbers but not look at what was provided for the control number and give us a automatic response without actually reading all information provided why? Also how can you hold a loan modification from XXXX in 2003 when it was all executed by XXXX XXXX XXXX after the took over XXXX?
Consumer complaint received 2023-10-12
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (GA)

XX/XX/XXXX just received my mortgage loan. The first month they raised my payment over XXXX. I went on XX/XX/XXXX and saw so many complaints and reviews saying the same thing happened to many others. I spoke with a man when I first got notice of the increase. He said he would lower it to XXXX and it would stay at that amount for XX/XX/XXXX years. Listen to our call. Today it raised again. This company is horrible to work with. Their staff goes around in circles trying to explain what the difference is from. I'm on XXXX and on a fixed income. Every time they raise the amount I'm fearful of not being able to afford my mortgage. Please examine all the other complaints and reviews on XXXX  website. They should not be in business. When you finally can get ahold of someone they just start rambling of why you owe and they're sorry but it had to be raised. This is insane to have to call every month.
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

The last year 2017, my car was stolen in which my wallet was inside containing most of my personal information such as drivers license, social security number, and other sensitive info. I didn't think much of it seeing that I reported the incident but later on I would notice some weird changes. I started noticing new accounts appear in my debt collections that I had no knowledge of.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I did not authorize any of these inquiries i think someone may be using my identity Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (FL)

On XX/XX/24 I tried to withdraw the funds from my Google Pay balance. 

My Google Pay account is registered under the email : XXXX I was unable to withdraw my full balance because there is a {$10000.00} limit for withdrawals on accounts that are not verified. I went to verify my account and submitted all of the information they requested including my SSN, government name, and address. 

After submitting everything they asked for I got a message saying the following " Your ID verification couldn't be completed ''. 

After this I went to the live chat for Google Pay support and explained the situation to a Google Pay representative. They were not helpful whatsoever and seemed to not even understand what was going on. I asked to speak to a supervisor. The representative confirmed an arranged date and time for me to speak to a supervisor. 

" I appreciate your efforts in providing all the required details. I would like to inform you that I have arranged a call for you at your preferred time. Please be available to have a conversation with our dedicated team to resolve the issue as soon as possible. ". 

The arranged time came and went and I never got a single call from the supervisor. Now here I am over XXXX weeks later XX/XX/24. I have {$2900.00} stuck in my Google Pay balance and they are not letting me withdraw the balance. Furthermore, they have not helped me at all when it comes to verifying my account. I am more than happy to send them my SSN, drivers license, ID, whatever it is that they need. But they have simply not helped at all and are now holding my money XXXX. 

This complaint will be my last attempt to get them to stop holding my money XXXX. If this is not successful I will be forced to take legal action.
Consumer complaint received 2024-05-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AZ)

When I became customer of XXXX, I had an extra line added in my account without my permission. That caused a lot of mess in my billing, and surcharges, which caused me a lot of trouble, work issues ( and financial loss ). I ended up canceled my plan and moved back to XXXX, which is a pre paid ( no surprises service ). 

This debt is being collected again, and it need to be sent to XXXX. 
If this situation and the alert in my credit report remains, I will surely fight againt Jefferson Capital in the court : Name on Account XXXX XXXX Debt Description XXXX  Account # XXXX Amount of the Debt {$1300.00} Current Creditor Jefferson Capital Systems LLC JCS Reference # XXXX
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

on XX/XX/2023, I made several calls from phone number XXXX, I wired settlement funds in the amount of {$110000.00} to a corporate credit card ( I sent the wrong number, I meant to send it to my checking account ). 
The issue is that they keep putting me on hold and refuse to send the money back. THis is VERY urgent and would like assistance as soon as possible. I was left on hold 3 times for 40 minutes each. No songs, no person, they would leave. 
They are trying to keep my money. I know they are struggling, but didnt expect this. 
I now am calling and cant get anyone on the phone. 

THey have my money in an account i can not access and they keep putting me on hold. Very intimidating and predatory behavior.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (PA)

Subject : Urgent Action Required : Cease Unauthorized Credit Reporting - XXXX XXXX FCRA Identity Theft Fraud Laws Dear WELLS FARGO CARD SER, I am writing to address a serious violation concerning the unauthorized reporting of information to my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, in conjunction with XXXX XXXX FCRA identity theft fraud laws, particularly XXXX XXXX XXXXXXXX XXXX XXXX XXXX .

It has come to my attention that WELLS FARGO CARD SER has reported information to my credit profile without obtaining my explicit consent, a clear infringement upon my rights as outlined in federal law. The FCRA unequivocally requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, XXXX XXXX state law, notably Section XXXX of the XXXX XXXX Finance Code, emphasizes the necessity of consumer consent for credit reporting, while Section XXXX establishes specific guidelines for fair reporting practices. Additionally, XXXX XXXX identity fraud laws, such as XXXX XXXX Penal Code Section XXXX, highlight the severity of unauthorized access and misuse of personal data. 

I want to make it explicitly clear that I have not granted consent for WELLS FARGO CARD SER to report any information to my credit profile. This lack of explicit authorization constitutes a serious violation of my rights and could potentially harm my creditworthiness. 

I demand immediate cessation of any further reporting of information to my credit profile without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the XXXX XXXX Finance Code, as well as XXXX XXXX FCRA identity theft fraud laws. Failure to comply within XXXX  days will be considered willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

Obtaining consent is not a discretionary choice but a legal obligation under these statutes. This is not negotiable ; it is a demand for compliance with federal and state regulations aimed at protecting consumers like myself from unauthorized credit reporting.

I expect prompt attention to this matter and swift rectification of these violations, respecting my rights under federal and state laws.
Consumer complaint received 2018-08-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/2018, I spent {$800.00} purchasing a Moneygram money order at a XXXX store when I was traveling in Rhode Island. The purchase fee is {$0.00}, and the amount on the money order is {$790.00}. I have the receipt from XXXX and the original money order in my possession. 

On XX/XX/2018, I used the mobile app of XXXX XXXX XXXX to mobile deposit the money order into my checking account. I thought there's no problem with this money order. However, on XX/XX/2018, I received a phone call from XXXX XXXX XXXX saying that my checking account has a negative balance because Moneygram only pays {$11.00} for the {$790.00} money order I deposited on XX/XX/2018. 

I called Moneygram to get clarification on this issue. The representatives I have talked to include XXXX, XXXX, and XXXX XXXX XXXX works for the paper product 2 department, escalation department for money order concern XXXX. They checked their system and insisted that the money order only has {$11.00} on it. How could that be possible?? I have the money order in my possession right now. It clearly has {$790.00} printed on it. I also have the receipt showing that I paid {$800.00} for the money order using debit cards. What's wrong with Moneygram 's system? Where did my money go? I purchased a {$790.00} money order but got paid {$11.00} by Moneygram. Where did the difference {$780.00} go? Moneygram representatives are not willing to help. I need the money to pay my rent!!! This issue has been making my life miserable. I can't focus on my job and I have to worry all the time about where my rent money comes from. 

Here 's some detailed information about the money order : serial number : XXXX Amount : {$790.00} purchase date : XX/XX/2018 purchase location : XXXX store, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX XXXX  store manager : XXXX XXXX XXXX  phone number : XXXX
Consumer complaint received 2024-05-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

My Sofi accounts have been restricted since XX/XX/XXXX because I received a deposit from my businesses credit card processor for my business with my name on it but Sofi kept the funds and restricted my access to the account. I havent been able to pay my bills or rent due no money being able to go in or come out. Ive called and I keep getting the same answer every time. When I first called the lady on the phone told me that my accounts were being closed and that they would be sending me a check for the amount of money in the accounts but nothing has been sent and the money is still in the accounts at Sofi, I just cant access it. I have since been evicted and was homeless for a while but now Ive had to inconvenience my family and stay with them. I worked for that money and now I cant access it. Please help, it would be greatly appreciated. I literally opened this account in XX/XX/XXXX.
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Back in 2017, I was the victim of an auto theft in which my wallet was taken. I filed a police report about the matter and continued on with my life after walking away from the incident safe. Early this year I started noticing random accounts appear on my credit that I did not authorize nor did I apply for these fraudulent accounts. Some of my very important personal information was inside of the wallet and I have reason to believe that my social security number may have been compromised.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

We have XXXX $ deposits frozen by chase bank, this money is sent by XXXX XXXX whos my boyfriend by personal check. They frozen money because they said they need to make some confirmation with his identity by phone call. Last time they said the phone number is not matching with his identity, then we complain with CFPB. After that, we call them, the first employee said the identity is correct but when they call the phone is engaged and we tired another time, the second person said the phone is transferring to the mail box which means the phone is dead. That do not match at all. They are just making some excuses for themselves to hold the money.
Consumer complaint received 2024-05-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

Canceled XXXX XXXX account in XX/XX/XXXX ( don't recall the exact date ). On the call, I was told that XXXX would send a box to my home if they wanted return of the equipment. Box never arrived at my home. XXXX  charged my account for non-return of equipment, and sold the debt to TransWorld Systems -- who dinged my credit on XX/XX/XXXX. I contacted XXXXXXXX XXXX  on XX/XX/XXXX to point out the error. Once they told me the address they sent the box, I confirmed that they sent it to my son ( at a vacant house ). I did find the box, and have a picture of the box with the wrong address on it. BTW, I have never lived at that address, nor was it listed on my account. XXXX  sent another box. I sent back the equipment, and that box was confirmed received by them on XX/XX/XXXX. I called XXXX on XX/XX/XXXX to confirm that the account charges would be cleared, and was given assurances. On XX/XX/XXXX I called again and was told that the credit had not yet been posted to my account, but it would be in a few days - and then XXXX will notify the debt collector TransWorld Systems to remove the debt from my credit report. Same story, different verse.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (AZ)

I found out that someone had fraudulently opened a Discover Card in my name with a credit line of {$4500.00} on XX/XX/XXXX and within 2 months of activity and non payment, Discover increased the line of credit to XXXX. The credit card was opened using a XXXX XXXX and all subsequent correspondence were addressed to 'said " XXXX XXXX XXXX I never opened this account nor the XXXX XXXX XXXX By the time I noticed this fraud on my credit report, I attempted to call Discover however they said it was already turned over to collections. I contacted the collections company they gave me and called XXXX XXXX XXXX XXXX. They sent me paperwork and I successfully filled it out and sent to them. I called and confirmed receipt of paperwork and then asked for 'verification of debt '. They sent me partial statements however I called back and asked for the original application and the months of statements I was missing. The account was opened on XX/XX/XXXX and I only received XX/XX/XXXX to XX/XX/XXXX. I never opened this account. Instead of sending me the remaining information they presented me with a summons and now I will be engaging my attorney in an attempt to rectify this.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MI)

I had a credit card with Chase that was opened in XX/XX/XXXX and closed and charged off XXXX of XXXX by creditor. The account started reporting 120 days late for 3 months from XX/XX/XXXX- XX/XX/XXXX however it was closed in XX/XX/XXXX. In XXXX of XXXX to XXXX of XXXX the account was showing charged off, as chase uses their own collection company, they reopened the account showing that it was in good standing in XXXX of XXXX to XXXX of XXXX. Now as of XX/XX/XXXX this account is reporting as a charge off again. Reached out to Chase to see what was going on with the card and the rep that was on phone stated that they would continue to reopen account and charge it off so that it will continue to lower my score as that is their way of trying to collect the debt.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (PA)

I have submitted several disputes on multiple things on my credit report, by multiple agencies, and on each occasion they are finding out that the reports under dispute are accurate when they most certainly are not.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (GA)

Cavalry Portfolio Services is reporting the wrong open date after they bought a debt it was disputed not a valid debt. how ever Cavalry Portfolio Services is reporting open date XX/XX/XXXX but this account was opened on XX/XX/XXXX is account is clearly out of statue of limitation. Per FDCPA 15 USC 1692g XXXX XXXX Cavalry Portfolio Services has clearly violated the law. 

XXXX XXXX last XXXX ssn : XXXX add : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  - Account Number : XXXX - XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - XXXX - Account Number : XXXX