davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX  XXXX Balance : -
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NM)

On XX/XX/23 I closed an account I had had with chase. I have many accounts with them and transferred my available credit to another card. I did not transfer my rewards points which were accumulated over various cards over many years, but which in order to be used had to be linked with one card onlyin this case the card I closed. I have no recollection of the representative who closed my account telling me I would lose my rewards points when I closed my account, and they certainly did not offer to link them to one of my many remaining accounts. When I saw that my points were gone, I immediately called and was told that they could do nothing. I then wrote a letter and received a voicemail telling me the same thing. I do not believe this policy is fair or transparent.
Consumer complaint received 2024-03-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (IL)

I initially filed this complaint concerning the : 1 ) Abuse used by One Main Financial by Contacting me by phone over 40 times after Ive explained my emergency preventing my normal prompt payments since Contacting CFPB they have ceased with those harassment calls. THANK YOU 2 ) I asked for an apology for the prior harassment. I GOT NO RESPONSE THUS FAR!

3 ) Ive asked for an entire payment breakdown for the 5 years this loan has been in effect.

THEY ONLY SENT ME 3 YEARS!!

I have not sent them a single payment until they can VARIFY IN WRITING WHAT MY BALANCE IS! and HOW theyve arrived at that sun. I truly believe this loan is possibly ALREADY PAID IN FULL.. and they havent sent proof contradicting this.

In the initial 3 years of payment history they sent ( see it in the photos Ive submitted in the first complaint for this column information ) ; they have a column showing irregularities in INTEREST BEING EXTRACTED from ALL of those 3 years THEY HAVE NOT ATTEMPTED TO EXPLAIN THOSE INTERESTS EXTRACTION IRREGULARITIES!!

4 ) 2 Days ago I received an unsigned form letter from the Headquarters of ONE MAIN FINANCIAL ( see attachment ) I offered to allow me the option of paying at THEIR BRANCH LOCATED IN XXXX, INDIANA! 

That gesture was in response to my initial complaint of the branch XXXX : XXXX XXXX XXXX XXXX in XXXX, Illinois who RELENTLESSLY HARASSED ME WITH NONSTOP CALLING AND TEXTING. 

She was not reprimanded for her actions and is still managing the facility as if NOTHING HAS HAPPENED!!!!! 

Meanwhile.. As I said above. Ive got a UNSIGNED FORM LETTER ( see letter in attachments ) from The headquarters asking me toRESUME PAYMENTS AT THAT FACILITY WITHOUT ADDRESSING THE MOST IMPORTANT CONCERNS OF MY COMPLIANT!!!!!!

AND TO BE SURE. THEY ARE SENDING NEGATIVE REMARKS TO THE CREDIT BUREAUS SINCE IVE OPTED TO HOLD FURTHER PAYMENTS UNTIL UNTIL UNTIL.. THIS COMPANY CAN BE FORTHCOMING AND TRANSPARENT ABOUT MY CURRENT LOAN ACCOUNT!!
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I just got another letter from Nationstar stating that they received an application from me for a loss mitigation option. I never discussed loss mitigation option with anyone at Nationstar nor applied for it. I have no idea of what they are talking about. Again, and it is crystal clear that this is their scheme to steer me away from the HAMP Loan Modification I applied for XX/XX/XXXX which Nationstar have been processing before XX/XX/XXXX and even after XX/XX/XXXX when they took it over and is still in progress and is yet to resolved. Attached is the letter I received from Nationstar Mortgage.
Consumer complaint received 2018-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

We received the ATP from HUD in the begining of XXXX. We got the offer and everything over to Mr Cooper through equator after the 2 week marketing period. There were a few additional requests for documents and corrections and they were all completed. We have been waiting for responses and requesting updates since XX/XX/XXXX and I was told that NOTHING Has been done to the file since the XXXX. We have an offer that is compeltely meeting the ATP guidelines and our buyer is going to loose their ability to get a mortgage at the end of this month. I have been emailed and requesting updates with absolutely NO RESPONSES. Yesterday the XXXX XXXX emailed me to let me know that she is waiting for a variance ( that should not been needed being we have the ATP ) and that the client needs to be 31 days past due. This is untrue because we have a ATP. She is not properly working this file and her co worker at MR Cooper specifically told me she has not TOUCHED THE FILE since XX/XX/XXXX. We received the contract approval on the XXXX, there is no reason it should be taking this long.
Consumer complaint received 2023-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I was a victim of identity theft over 3 years ago. I filed an FTC affidavit and got most everything removed that was fraudulent from my report. Saturday 2 of the same accounts reappeared as collections from XXXX XXXX. I contacted experian and was hung up on twice from one of the representatives. When I finally got some one to listen to me she said that this could take up to 30 days. There is no reason that I should have to wait 30 days when per FTC the creditor isnt allowed to sell my debt due to identity theft. This collection agency isnt legally able to report on my credit report. My next step is to take legal action because this could be further detrimental to my credit which Ive worked so hard to restore since this happened. Please remove this from my account as it is causing undue anguish and stress.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (MA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I attempted to pay my Chase Credit Card in person at the XXXX XXXX location in XXXX, GA. The woman behind the counter could not process the payment. She stated she didn't know why the payment would not process and referred me to the customer service number. I called the the customer service number and was on hold for 1 hour and 6 minutes before the call was answered. I explained to the rep that the bill was not yet do but I was leaving the country on Saturday XX/XX/XXXX and would be out of the country for a month without the ability to contact the bank. She processed a payment. On Friday morning XX/XX/XXXX, I checked my account to verify the payment was made to my surprise and dismay the on-line said my ACCOUNT WAS CLOSED. I had no notification of why BOTH of my credit cards were closed. I immediately called the customer service number. They said that a letter was in the mail and they had no further information. I then went to the XXXX XXXX XXXX office to speak to a rep in person and get an explanation. She personally called the customer rep number and was advised there was no info to be given, a letter was sent via snail mail. Obviously, I won't get the letter before I left on Saturday, XX/XX/XXXX for my trip out of the country. This closure of two credit cards left me without card to use while I was out of the country. I had one of these cards since XXXX ( 28 years ) without a non payment or any penalties. When I returned I received a form letter telling my accounts were closed but without a reason. I called the company and they could not provide a reason. Because of these closures for no given reason my credit score has dropped XXXX points. I need an explanation. Thank-you.
Consumer complaint received 2024-02-08
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. (IL)

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to. I will be placing complaints with the CFPB, the Attorney General, and the 3 major Consumer Reporting Agencies
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

These account were never given my permissible purpose to furnish these accounts furthermore they infringed upon my rights to privacy in pursuant to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially. In pursuant to 15 USC 1681a ( 2 ) ( I ) any transaction or experience should excluded from my consumer report.On my XXXX report 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 ) NAVY FEDERAL CREDIT UNION XXXX XXXX ) AND NAVY FEDERAL CREDIT UNION ( XXXX ) AND INQUIRIES XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Has also violated the billing error practice act in pursuant to 15 USC1666 they never gave me the right to opt out and are not reporting accurately I want these late payments as well as the inquires and collection accounts deleted as they are identity thief
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (IN)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and non verbal per 15 USC 6802.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S.C. 1681 findings and statement of purpose Violation of my rights to privacy in The Privacy Act of 1974 by disclosing my Non-Public Personal Information to Non Affiliated 3rd Parties Without Prejudice, XXXX XXXX
Consumer complaint received 2023-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

It says I have a medical bill on my credit report from Medical Data Systems I from XXXX XXXX for {$550.00}, which I do not understand nor see as valid because the XXXX XXXX billing dashboard has never said that I had a bill whenever Ive checked and even if I did I have health insurance that covers any time I go to a hospital. I need a verification letter from them confirming that the debt is mine or else I would like it removed from my report. XXXX XXXX  hasnt emailed me about this bill nor have I picked up anything in the mail regarding this alleged bill.
Consumer complaint received 2024-04-26
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. (FL)

PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-04-26
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. (CT)

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I used XXXX to purchase {$200.00} worth of crypto on XXXX from Coinbase and my personal checking account to buy {$50.00} on XXXX. For some odd reason, coinbase charged me XXXX on XXXX as well for some subscription I didnt sign up for. So my transaction was charged back. I called and they said I would get a refund and I went ahead and paid for the chargeback then and there because otherwise there would be a hold on my account. After I paid everything was clear and I was supposed to be free to use my account. The next day I log in and my account is restricted and there are holds for the {$50.00} worth of transactions that I just paid for lasting til the15th so I chat and call and they say theres nothing they can do about the hold yet their policy said if I paid directly using my card my restrictions would be lifted it was and has not. The dates keep pushing back and now they put my other funds on hold that were paid for immediately not with an account. And to top it all off the same thing happen in XXXX with XXXX of my dollars and I didnt realize they never put the funds back after I paid. I believe this is fraudulent and unethical. And Ive asked to be refunded and close my account yet they say they cant then disconnect the chat or phone call. Im a XXXX veteran and I need my money. I hope this can help
Consumer complaint received 2023-12-20
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. (PA)

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-20
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: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, XXXX sent an email notifying me of a hard inquiry on my credit report from Citizens Bank. I called Citizens Bank immediately to notify them that I did not authorize the inquiry. They told me they had no record of the inquiry. I then logged into my XXXX account to dispute the inquiry. On XX/XX/XXXX, I was notified that they ruled that the inquiry was valid. I called them today ( XX/XX/XXXX ) and they told me I needed file a clain with the FTC and submit documentation to them for the inquiry to be removed.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC (AL)

I received a letter stating I had met the XXXX to have PMI cancelled, but now they are wanting me to pay for an assessment on the property. 
From what I have read and on the document they supplied when I closed the loan, the PMI should automatically drop off when the principal balance of my loan reaches 78 % of the original value of the property. This was met in XXXX, however I still paid for PMI in that month as well as XXXX. After a hard time to get through to XXXX XXXX, I was told they would review and may get back with me in XXXX some time. 
During the Summer I was told by them it would drop off in XXXX.