davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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: EQUIFAX, INC. (LA)

I received the results of my credit report dispute from Equifax, CREDIT FILE : XX/XX/scrub>XXXX XXXX XXXX Confirmation # XXXX and XXXX Report Created On : XX/XX/2023File Identification Number : XXXX. The results was not to my satisfaction, because my credit score did not change. Equifax and XXXX reports a credit score that is XXXX points lower than XXXX, which is a drastic difference. This amount of difference shows that Equifax and XXXX are not reporting my credit score correctly.
Consumer complaint received 2024-01-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (AL)

My name is XXXX XXXX, I am very old and I am a XXXX XXXX  us citizen. 
I have accounts with synchrony bank for many years. Being XXXX XXXX, synchrony bank, for years, does NOT compute interest correctly for my accounts. My account number : XXXX, the total amount in this account MUST be {$1100.00}, synchrony bank, intentionally and illegally, is showing only {$1100.00} ; synchrony bank is giving me {$1.00} less interest on this account. 
My account number : XXXX, the total amount in this account MUST be {$4600.00}, synchrony bank, intentionally and illegally, is showing only {$4600.00} ; synchrony bank is giving me {$0.00} less interest on this account. 
My account number : XXXX, the total amount in this account MUST be XXXX, synchrony bank, intentionally and illegally, is showing only {$2300.00}, synchrony bank is giving me {$0.00} less interest on this account. 
The time has come for this XXXX XXXX  US government agency to fine very heavily, the same way this agency heavily fined over XXXX dollars XXXX XXXX XXXX XXXX synchrony bank for giving less interest for every account, synchrony bank has millions of accounts. Do your job for XXXX US citizens also.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX account ending XXXX has violated several of my rights under The Fair Credit Reporting Act 15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include report containing information solely as transactions or experiences between the consumer and the person making the report. 
XXXX XXXX violated these rights by reporting the account to be late and closing the account without my knowledge. XXXX XXXX is reporting negatively on account as Collections when In fact I have responded to their settlement offer and offered them XXXX of their own settlement terms. See Attached email Copy.
Consumer complaint received 2024-01-20
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: Experian Information Solutions Inc. (MS)

XXXX had been paid in full but will not correct credit report. The account is still showing a balance. Experian investigated but kept the same information that was a remaining balance. I sent the paid in full letter to eperian but they did not correct their error.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

{$9400.00} was taken out of my accounts checking and credit card. By a person named XXXX XXXX on XX/XX/2023 {$4900.00} XX/XX/2023 XX/XX/2023 someone transferred from shares XXXX $ {$3400.00} to my checking account XX/XX/2023 {$4500.00} he took {$4500.00} XX/XX/2023 my credit card cash avd was hit I need help, because the NFCU has not put this money back into my account. 
I had reported this to them, as soon as this had happened On or about XXXX XX/XX/2023. 
when I was not able to get into my account on line. 

I have went 3 days without with real answers, onhow to fix this problem.
Consumer complaint received 2018-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

We began the loan modification waterfall process in XX/XX/XXXX. Since this is an FHA file, we were aware that we would need to go through loan mod before moving into short sale. We placed the property on the market and began the process while searching for a buyer. In early XX/XX/XXXX, we were told that the loan mod had been declined and we were moving into short sale. The same day, I initiated the file in XXXX. An appraiser contacted my office for access and said he was sent there by Mr. Cooper. I mentioned this to our representative and she denied that the appraiser was sent and said that the FHA was taking " 15+ days for a response. '' It has now been 42 days since she sent the file to HUD and I am concerned if anyone is actually working this file. The client also regularly logs in to his Mr. Cooper account and says his account still has no information regarding the short sale. There has been no real movement on this file and I would hate to lose such a patient buyer.
Consumer complaint received 2023-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

When notified that my XXXX score went down XXXX points I asked XXXX what the problem was.They said that a collection agency named Sequium reported that I owed $ XXXX a purchase made to XXXX XXXX XXXXI went to a XXXX office and they did not have a record of my purchase.When I spoke to Sequium about the purchase they said purchase was sent to XXXX, XXXX, XXXX. That address was also in my XXXX credit report.Never lived in Ca.except on Military duty inXXXXSequium did not have my Florida address.I never received notice from XXXX Nor Sequium.I have not had this resolved.and appears that I still owe this $ XXXXWhen I spoke to Sequium rep they asked if I submitted a police report and I did not.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

i requested the information but i received nothing and they evenually hung up on me. i NEVER received anything in the mail. i also disputed all 3 LVNVFUNDING LLC collection accounts with all 3 credit bureaus and they all removed the collection accounts in XX/XX/2023 but then i was inform today that XXXX and XXXX has put them back on my credit report with no notification and nothing has been sent to me that show /varify or validate theses accounts. i have sent a certifide letters to all that if this can't be varifide /validated and the information/documents be sent to me to remove them from report. i got nothing in response to my request. so they removed the accounds and they sent me a notification on the updated information stateing the collection accounts has been REMOVED from my report. they violated that by putting it back on my report and not sending me any documents to support it being back on my report. i'm requesting that ALL 3 BUREAUS take it off and keep it off of my credit report. by them putting it back on my report it is causing a hardship on me in moving forward in my life. not to mention they all are in violation of the FCRA.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX, Citibank put a block on my account for no reason at all. I called XXXX  times asking why there was a block on my account. The fraud department hung up on me each time and did not give me any reason as to why. At the same time that was my money which left me stranded in another state.
Consumer complaint received 2023-09-22
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: JPMORGAN CHASE & CO. (FL)

I am chase bank customer. I called their mortgage lender advisor XXXX XXXX to ask question about home affordability. He said that is busy for the moment and if possible to email him me tax returns so he can take a look at my income. 
2 days later I was surprised with my credit pull alert.

I called this guy asked him why did you pull my credit without signed or submitted application or even a verbal consent to do so? He got no straight answer and finally hanged up the phone.

After I called the escalation team department, they failed to provide any proof of documentation or paperwork or audio recordings that I gave them permission to pull my credit.

I never confirm my identity or my SSN with him on the phone and I never provided any proof of ID to his email or anything of this nature.

The only reason I sent him my tax return is to view my income not to get my social security number from it and run my credit.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (GA)

I have 2 fraudulent/unauthorized inquiries on XXXX I checked the XXXX and noticed XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX On my XXXX report I noticed XXXX fraudulent/unauthorized inquiries from XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX On my experian credit report I noticed XXXX fraudulent/unauthorized inquiries from Ally XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (UT)

All assets I purchased also USD overcharging, and selling my crypto currencies, I deposited about {$5000.00} total within a year and my account balance says $ XXXX. When I continued to try to dispute this, all they kept saying was " we cant access this until you pay the XXXX to unlock the account, for what I don't know, but yeah all the purchases and conversion and interest and gains from the following statement from the company. I would like returned to me, or better yet a cashier 's check from all sales of assets combined, mailed to me and close the account
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (GA)

According to the fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information. The financial Institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, whether it be verbal, non verbal, written implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting.
Consumer complaint received 2024-01-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

Please, before reading this complaint, refer to my previous complaints : XXXX and XXXX. 
Yesterday, XX/XX/XXXX, the sum of {$720.00} with XXXX ID # XXXX and the XXXX XXXX processing fee of {$120.00} was debited ( stolen ) from my XXXX XXXX checking account. When I called XXXX XXXX  they informed me that this belongs to a garnishment imposed by Second Round LLC. This company on XX/XX/XXXX sent me a Notice of Garnishment Dismissal ( See attached letter ) stating that they voluntarily dismissed the garnishment. After that I have not received any new communication from Second round LLC or its attorney so I assume nothing has changed. The money charged is NOT even earned income because I am unemployed. ( please read my previous complaints for a better understanding ). The account was overdrawn once again and I don't understand why my bank admits making these types of charges without the authorization of me as a customer. 
I repeat, I have not received any new communication from Second Round LLC or its attorney. 

I'm attaching the response from Second Round to my last complaint and the solution I received by mail.
Consumer complaint received 2024-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MI)

My company is improperly collecting taxes and insurance. I am tax exempt yet they collected for a whole year tax that was not payable, forcing me to almost double my correct payment. then, although I have a fully paid homeowners insurance policy, they have forced placed my homeowners insurance for no reason and refuse to refund the escrow payments i have made. 
i have used their messaging system for at least 6 months and receive only form letters letting me know they have received the letter as required by federal law, but i never hear a response.
Consumer complaint received 2023-07-27
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 (IL)

I called to report a fraud claim on XX/XX/XXXX at XXXX that had basically emptied my account dry. My girlfriends birthday is XXXX, Wells Fargo is telling me that I need to wait 10+ days in order to receive a provisional credit. But when I look into other people experiencing events like this with different banks they receive a credit almost instantly. This is the most stressed Ive been in my life, and now I cant even do anything for my girlfriend.
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. (FL)

This is my 2ND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX Hello, It has come to my attention that the data furnished by XXXX XXXX is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( Experian ) is reporting a payment versus the other bureau ( XXXX ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP (NC)

On XXXX XXXX a debt verification letter was sent certified mail to Capital Management Services LP. Due to the alarming high amount of fraud purported by debt collection agencies specific information, outside of what was initially provided, was requested by me. I am making this complaint to let it be known that communication was sent to this debt collector. Out of all the things requested in the debt validation letter a copy of THE PURCHASE AGREEMENT is the most essential to validationof the alleged debt. I require a copy of the purchase agreement so I may with my own eyes see that the original creditor has stated a claim of accuracy relating to amount of the alleged debt. I believe the company in question will have no problem producing the documents that I am requesting, seeing as they have made claims that they do have full right to collect on the alleged debt.
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS PASS STATUTE OF LIMITIATION SHOULD HAVE FELL OFF
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NC)

On XXXX XXXX  a debt verification letter was sent certified mail to XXXX XXXX XXXX XXXX. Due to the alarming high amount of fraud purported by debt collection agencies specific information, outside of what was initially provided, was requested by me. I am making this complaint to let it be known that communication was sent to this debt collector. Out of all the things requested in the debt validation letter a copy of THE PURCHASE AGREEMENT is the most essential to validationof the alleged debt. I require a copy of the purchase agreement so I may with my own eyes see that the original creditor has stated a claim of accuracy relating to amount of the alleged debt. I believe the company in question will have no problem producing the documents that I am requesting, seeing as they have made claims that they do have full right to collect on the alleged debt.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX Hello, It has come to my attention that the data furnished by XXXXXXXX XXXX is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( XXXX ) is reporting a payment versus the other bureau ( XXXX ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.
Consumer complaint received 2023-08-31
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( 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 information is inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly. 15 U.S.C 1611. States youre supposed to be notified of all signing information. 15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.
Consumer complaint received 2024-03-29
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. (TX)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilles with fairness, impartiality, and a RESPECT for the consumer 's RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system I never gave my expressed, written consent fle these consumer reporting agencies to report my information, which violated IS U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 Us. Code 1631c-2. These accounts are notrelatedtoany