davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SD)

Nationstar Mortgage discontinued sending my monthly statements two months ago for no reason. I have contacted them several times only to be assured that they will be promptly continued, then nothing happens. Their customer people are rude and unhelpful. In reading their reviews online, it is apparent they are doing this to many other clients in an attempt to generate more late fees. I am hoping you can help me with this matter.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

XX/XX/XXXX I withdrew {$2000.00} from my MARCUS personal online savings account to fund a personal savings account at XXXX ending in XXXX. This fund was a gift to my niece. 

XX/XX/XXXX MARCUS informed me that I broke MARCUS bank rules by giving the money away to another person and I was to return the money.

I told MARCUS I would be happy to return the money but that it would come from a different XXXX account. 
MARCUS refused to accept the funds and froze all of my MARCUS accounts and locked my online access.
Consumer complaint received 2024-01-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc. (AZ)

I am questioning ; MOMNT BANK, a financial institution that is in business with XXXX  contractors. On XXXX XXXX XXXX XXXX XXXX XXXXXXXX Momnt Bank XXXX 24 months same as cash. I agreed to this because I am on a fixed income. I was signed up, not knowing that Momnt Bank would release full loan amount in advance before any work was even started. The XXXX XXXX XXXX defaulted on our contract for my bath and shower remodel. They never started job or had any contact with me nor did they return any of my calls. Momnt Bank claims they have a federal investigation going on. In the meantime, they say they are giving me a provisional credit with no interest or reporting to credit Bureau. In which I was already receiving with the 0 % for 24 months ( expires XX/XX/. ) Moment expressed in writing that the provisional credit will either be made permanent ( will owe {$0.00} ) or revised ( Owe loan amount plus interest accumulated ) Momnts receptionist continues after months & months to tell me there is no new updates on investigation. I have requested several times to get in touch with either one of the two ladies XXXX or XXXX XXXX in the litigation department. Ive been numerously promised that those ladies would get a hold of me, Im lied to and no one ever does. I have requested from Momnt : documentation for payment that XXXX XXXX  actually received. No response! 
In the result of the unprofessional conduct with Momnt Bank not returning any of my calls or emails, the XXXX XXXX they do business with, and the many poor reviews of Momnt customers experiencing the same, shady, business tactics as myself ; I decided to make this claim..
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I've had this particular Capital One card the longest of my entire credit profile - despite over XXXX attempts at increasing the credit limit, I'm being lead to believe there is discrimination of some capacity occurring at Capital One as not only is this Capital One card my oldest card, it carries the lowest credit limit. I've not missed a single payment with any of my credit. I have no collections history. My credit score across all three bureaus exceeds XXXX. I have over {$130000.00} in available unused credit. What debt remains outstanding is current and diversified. My debt to income ratio is less than 20 %. I've request Capital One perform multiple manual reviews of my account and am consistent told they can not accommodate. I have multiple cards with {$20000.00}, {$30000.00}, and {$40000.00} credit limits all earned at different ( arguably less developed ) times in my credit history throughout the years however can not seem to get movement with Capital One. The denial reason I've received to each of my over XXXX requests all reflect a failure to use my existent credit line appropriately- and this denial reason has no apparent bearing on how my card is used... I've had months with up to 50 % utilization, 0 % utilization, carrying balance, not carrying a balance, a variety of combinations all throughout the years all in an attempt to get Capital One to view and make decisions on me like every other bank does. Each time I ask, I am told there's nothing more they can do or disclose other than the automated credit decision tool through my online account. My hesitation is if my utilization increases much more than 50 %, my next denial reason will be too high of credit utilization.
Consumer complaint received 2024-02-12
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. (GA)

I've noticed that it's accounts that I have no knowledge of on my consumer report as a result this issue is hindering me from obtaining credit account XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX these accounts I do not recognize please remove
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (GA)

How can the original creditor report XXXX different " Date Last Active '' dates on my credit report. This is INACCURATE reporting. Please delete this account asap XXXX XXXX
Consumer complaint received 2024-03-26
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. (FL)

XXXX, Tuesday XX/XX/2024, I reviewed my Experian credit report on line and I saw some wrong information. Therefore when I was given the online option to file a dispute and correction to my report, I was able to do so on one of the two credit entries that I identified as incorrect. The reason I was unable to correct the other disputed account is because the Experian screen did not display that account even though it is on my credit report. I tried three times unsuccessfully. This is when I was alerted that the disputed account is not an error, but a fraudulent use of my credit profile. Therefore, I called the Experian phone number to dispute credit entries. Again I ran into a frustrating experience with their automated system. Even when I entered the requested information on my phone 's keypad the response was to repeat the entry. After another forty minutes of this system malfunction including programmed refusal to be connected with a human being I decided to file a complaint. This type of unethical customer service where businesses are abusing use of their automated systems should be stopped. I also found it highly suspicious that the fraudulent account was not displayed on the Experian screen where I could enter my dispute. But it is displayed on my credit report and used to evaluate my credit score. I have attached a copy of the fraudulent account on my credit profile and I demand that Experian remove it immediately. I never opened this account and have no knowledge about it.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax Credit, On XX/XX/2024. I submitted an application for financing with XXXXXXXX XXXX XXXX XXXX and the manager share my Equifax credit score XXXX. After two weeks I decided to not to purchase a used car and received three denial letters from the following lenders showing different score from Equifax : XXXX XXXX  showing Equifax score as XXXX, XXXXXXXX XXXX XXXX XXXX as XXXX and XXXX XXXX Equifax score as XXXX. The letters showed them received my scores from Equifax on the same day. 

My issues with Equifax and the lenders that submitted a denial letter to me is simple. Did all the lenders receive their information from the same source or something/ someone different than Equifax . The credit score from each lender is different and they stated its from Equifax. For example, the letter does not state the score was from FICO or XXXX XXXX XXXX and this what I would like them to address. For if four lenders receive my information for credit from Equifax credit, are they supposed to all receive the same credit score on the same day. Please explain.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I can not get through to Mohela to get help. I have been left on hold for an hour and then disconnected Mohela put my loan on TEPSLF which is not eligible for PSLF because it is a Parent Plus loans. This is not right. Please know that they are taking advantage of loop holes to make money. They also sent a notice saying they were going to apply a payment to the future due and instead applied the amount to principle with no notice. Had I known that I would have made payments but since no effort was made to inform me I missed out on a chance to make a qualifying payment. Also, they are requesting employment verification for PSLF each month instead of once a year.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Inquirys delete and remove asap. These are not my inquiries Im tired of keep calling theses companies asking them to remove these inquiries n companies wonder why I put fraud alert on my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

Reporting agencies XXXX, XXXX and Experian are in violation of the FCRA act. I have damages from this violation of them reporting information on my credit report from identity theft. According to the Fair Credit Reporting Act ( FCRA ) Section 605B It is illegal to report information on my credit report without my permission. Please remove the following accounts and inquiries that i did not authorize from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts and inquires. I have already submitted a copy of my FTC Report and Police report to all 3 Bureaus numerous times and nothing is being done.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding the company Health Revenue Recovery Group ( HRRG ) phone number XXXX and their cooperation with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX XXXX in collecting personal information and issuing fraudulent statements and bills. 

Recently, I have become aware that both HRRG and XXXX XXXX XXXX XXXXXXXX XXXX, XXXX have been involved in the unauthorized collection of personal information from myself and numerous other individuals. In my particular case, I have been falsely accused of receiving medical treatment from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, for services allegedly rendered at the XXXX XXXX XXXX XXXXXXXX XXXX. 

However, I would like to clarify that I have never received any medical services from XXXX XXXX XXXX XXXX XXXX, XXXX, nor have I ever been in contact with them. The medical treatment I received was indeed at XXXX XXXX, and any outstanding balances have been settled directly with the hospital and are covered by my insurance. 

It has come to my attention that both HRRG and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have created a fake statement and bill in an attempt to collect a debt that I do not owe. This fraudulent activity not only jeopardizes my financial well-being but also undermines the integrity of the healthcare system. 

I urge the Consumer Financial Protection Bureau to take immediate action to investigate and address these fraudulent practices perpetrated by HRRG and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, I request that my personal information be removed from their records to prevent any further unauthorized use. 

It is my firm belief that such fraudulent activities must be eradicated to protect consumers and uphold the principles of fairness and honesty in the financial and healthcare industries. I appreciate your attention to this matter and trust that the CFPB will take the necessary steps to rectify this situation. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-26
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. (CO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening  but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

These accounts are not XXXX  XXXX  account ' acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  # XXXX
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I by mistake double paid my statement balance. Having realized my mistake, I requested the Chase Card Services ( CCS ) to refund my over-paid/double paid statement balance in the amount of {$3200.00}. 

CCS re-funded my over-payment by crediting my bank account. 

On XX/XX/2022, I did receive a letter from CCS that they processed my refund request. However, CCS put back my overpayment of {$3200.00} as a charge to my creditcard and asked me to pay back my over-paid money which they refunded. 

I disputed online as well as on phone. CCS never responded. I closed my credit card account by paying all balance other than {$3200.00} which was my own money they refunded. They repeatedly emailed me to pay. I responded, I do not owe anything and asked to cease and desist. 

CCS, as I bunderstand transferred it to collection agencies and I am getting letters from those debt collectors. 

I request CFPB to ask the CCS and the debt collectors to cease and desist and clear my credit history with this amount. 
Thanks. 

XXXX
Consumer complaint received 2023-09-22
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)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts are not accurate XXXX XXXX XXXXankruptcy : Reference Number XXXX
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CMG MORTGAGE, INC (NY)

I have been in communication with CMG financial services for 6 months. 
I have been trying to apply for a modification however they were not sending me the package. 

I Spoke to a representative who assisted me with applying for the loan modification. 
? on XX/XX/XXXX I received a denial letter for the loan modification. I thought the bank was negotiating with me in good faith. 

I was advised during the loss mitigation process I was advised they would halt the foreclosure auction. However there is an auction date for the XXXX. 

The appeal date is XX/XX/XXXX XXXX which is after the auction. This is a clear violation of my dual tracking rights. 

I am requesting you stop the auction While I am filing the appeal loan modification