davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (FL)

PROBLEM : UNNECESSARY NUMEROUS REQUIREMENTS FOR PROOF OF OWNERSHIP TO CHANGE MY ACCOUNTS TO MY TRUST. THE FOLLOWING SECURE MESSAGES WERE SENT ABOUT THIS AND CAN BE PROVIDED IF NECESSARY : TO XXXX XX/XX/year>, TO XXXX XX/XX/year>, TO XXXX XX/XX/year> AND XX/XX/year>, TO XXXX XX/XX/year>, AND THE BELOW WHICH I AM SENDING TODAY XX/XX/year> TO ALL OF THEM. PLEASE FIND ATTACHED TO THIS SECURE MESSAGE THE REQUIRED FLAGSTAR USELESS CLIENT CHANGE REQUEST FORM WHICH CONTAINS LESS INFO THEN I HAVE ALREADY PROVIDED PROOF OF OWNERSHIP TO FLAGSTAR. I HAD TO DRIVE XXXX MINUTES ONE WAY TO XXXX, XXXX  TO HAVE IT NOTARIZED AT XXXX  XXXX XXXX, VERY INCONVENIENT. I HAVE NOW SENT FLAGSTAR 6 PAGES OF REQUIRED FORMS PROVING THE OWNERSHIP OF MY TRUST SINCE XX/XX/year>. I AM THROUGH JUMPING THROUGH ANYMORE HOOPS TO PROVIDE INFO ABOUT MY TRUST OTHER THEN PROOF OF OWNERSHIP, AND TO REQUIRE ME TO SEND THEM THE ENTIRE TRUST IS OUTRAGEOUS. SINCE I HAVE BEEN FORCED TO GO THROUGH ALL THIS HASSLE TO MAKE THIS CHANGE TO MY ACCOUNTS I HAVE DECIDED TO FILE ANOTHER COMPLAINT AGAINST FLAGSTAR BANK. FLAGSTAR BANK DOES NOT HAVE A CLUE HOW TO DEAL WITH THEIR CUSTOMERS. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I found that there are some unauthorized inquiries on my transunion credit report. The inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries. I did file a XXXX report and the reference number is XXXX XXXX
Consumer complaint received 2024-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I was sent a letter saying I owed XXXX to XXXX for vehicle insurance. I have never had an insurance payment through XXXX for that amount. It was sent to a collection company who I contacted and explained this to. The collection company wanted me to send them my insurance information. I then requested a signature sheet which they did not do and attached the debt to my credit report. When I disputed the debt with the credit reporting agency they took 2 days and said it was accurate but that they did not have a signature sheet.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I received an emailed about my information being in the XXXX data hack so I pulled my Experian credit report and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID for identity verification and a bill for address verification. 

Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

I have been in dispute with Chime over charges not authorized that was debited from my account in the amount of {$1200.00} in XXXX of XXXX. I have disputed this same charge with XXXX XXXX  were the same exact charges were reversed. But for some reason Chime has denied " Any Error Occurred ''. Even after multiple " rebuttals '' and submitting evidence that I have never had an account with the merchant ( finance company for car loan ) who has my money. I was still denied the dispute. As of today XX/XX/XXXX Chime refuses to give me any evidence to support their decisions and has even threatened to " Take action against my account for disrespect '' for the fact they refuse to send me these documents. The said excuse was I would have to call and request them over the phone ( which I have done multiple times ) even though me and 5 agents have been in ongoing email threads communicating about the dispute and results. As soon as I ask for " the documents '' They don't want to communicate via email anymore..XXXX. This company is an absolute disgrace to its customers and needs the highest form of XXXX reprimanding possible and to be shutdown! Chime is known for not honoring good faith disputes that have merit not in favor of their customers. Chime doesn't investigate disputes to the level of XXXX BANKS stop letting these crooks finance their sham of a financial institution with your money!
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/year>, Capital one charged me {$250.00} interest due to new credit card 0 interest promotion expired after 12 months. 

XX/XX/year>, I contacted capital one account manager to dispute the charge. 

The dispute reason is : the lender should provide notification letter in advance to let customer aware of the promotion is expiring, stated the charge date and interest amount.

Charge interest without notice, it is illegal in the U.S. 
Also, when customer open the new account and take the 0 promotion offer, the lender has obligation to send a notification letter before charge. It is a common sense that the customer can't keep tracing the interest offer back to 12 months ago. 

Capital one didn't state when the promotion end and interest payment amount on each month 's bill statement. 

I highly recommend CFPB investigate my case and pursue my case as example to protect all American credit card holders to avoid the similar greedy interest payment from lenders.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Ive filed a claimed with Chase.com in regards to fraudulent transactions. Possibly someone who originally helped me open my checking account has connected their XXXX account and was make small transactions in the very beginning that I was unaware of because I didnt receive my first deposits until XXXX from FEMA after our home was affected by a storm. Which that person then continued to make transactions on my account but this time taking my funds. Ive provided chase with proof that it isnt my account that was linked and proof of my actual XXXX account. Ive since removed and or blocked any linked services from my chase app that I didnt know about. This has caused my family to lose so much as far as being unable to pay bills.
Consumer complaint received 2023-12-13
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. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-07-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (IL)

On XX/XX/XXXX, debt for XXXX XXXX paid in full to original creditor XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX, located in XXXX, IL ) in the amount of {$1300.00}. During call, it was understood that the debt would be pulled from the creditor as the issue with securing payment was due to a glitch in XXXX 's payment system, as confirmed by the office manager " XXXX. '' Also on XX/XX/XXXX, I was given information on the collection agency hired to collect this debt - IQ Data International , Inc. XXXX suggested that I provide that agency with the receipt she emailed me standing as proof of the amount owed as paid in full. 

On XX/XX/XXXX, contacted IQ Data International and spoke with a collection agent regarding the debt being paid in full. Prior to this day, I had received no mail from IQ Data in regards of the debt. The collection agent stated that 1 ) he did not believe I paid the debt in full directly to the creditor ; 2 ) that I would need to send a dispute letter to IQ Data, and 3 ) if I did not want the debt reported to the credit bureau, he suggested that I also submit a payment to him on behalf of the same creditor. At that time I requested 1 ) a business email address to submit a dispute letter and receipt from creditor as proof of payment and 2 ) I stated that I would not also submit a payment to IQ Data for the same debt that I paid in full with the original creditor. The collection agent continued on, trying to collect what would be a second payment from me and proclaiming that it was the only option if I wanted to debt to not be reported. Eventually, I ended the call and promptly emailed the letter of dispute and proof of payment to the email address supplied by the collection agent. 

On XX/XX/XXXX, I received email notification from XXXX regarding an adverse change to my credit bureau. Upon checking I discovered that XXXX XXXX had reported the debt to the credit bureau after full payment had been received by the original creditor on XX/XX/XXXX.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MN)

Last XXXX 2014 Nationstar fraudulently started foreclosing on my home in and returned my payment that has since been resolved with a modification. Now I was going to open a new account with a local credit union and my score has dropped XXXX point due to Nationstar say I have XXXX-XXXX day lates from XXXX and XXXX of 2014 which I was not late they falsely started foreclosure. This will now cost me more in interest on a car loan, insurance and credit. Nationstar should have fixed this problem when they figured out they had made the mistake. There are no XXXX or XXXX day late payment on my repot so how did I get XXXX non sequential XXXX day late payments?
Consumer complaint received 2024-07-13
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: CITIBANK, N.A. (GA)

It has been about 2 years now i been trying to get false information remove from my credit reports in each letter i ask for proof i been asking for what they see that shows that it was me not one bank provides accurate information or proof all i got back in my letters was i open the account i never said i didn't open the account but when it came to fraud on my account which leaded to a negate balance and ended on my reports i ask for proof that shows accurate of me inside the bank depositing money with a teller which they couldnt show because i wasn't never at the bank, never deposited money with a teller i also have the checks that was deposited into my account it came in my mail from the bank actually something i didnt deposit which lead to my acount to be close didnt get an email or call from the bank yall just let anyone get access to people banks thats sad then
Consumer complaint received 2023-12-13
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. (MN)

Despite my previous 4 written requests, the unverified items still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items are accurate but they failed to send me copies of the documents that they used to verify those accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (IN)

My laptop was hacked on XXXX Key Bank XXXX XXXX from XXXX & XXXX XXXX XXXX such. XXXX Key Bank fraud division on XXXX and XXXX. On recorded call, requested to cancel XXXX XXXX gift cards. Computer hackers posed as tech rep and XXXX XXXX rep. Claimed that ransomware locked the computer. Requested that I withdraw {$5000.00} to clean up the mess. The {$5000.00} was submitted in XXXX XXXX XXXX XXXX cards. I never made any previous transactions with XXXX XXXX, yet XXXX XXXX did not block them. I filed a claim dispute with Key Bank on XX/XX/year>. They concluded that it was a legal, signed transaction. I was liable for that amount. I received the report yesterday. My XXXX history has the hacker 's time of entry at XXXX XXXX on XXXX. The tech hacker keep me waiting until after the branch bank closed. The fraud rep hacker requested I keep off my Key Bank page or the ransomware would withdraw the rest of my money. Thanks for you help in advance.
Consumer complaint received 2023-12-13
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. (MS)

I have contacted all companies to remove inquiries and have also frozen my credit report with filing out forms for ID theft These are some companies that have used my information without permission XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following fraudulent Inquires have been reported on my credit files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Accscient, LLC (MS)

Nationwide Recovery Service is in violation of the Fair Credit Reporting Act of 15 USC 1681 Rule 624. This rule gives the individual the right to opt out of having third party individuals reporting information on his/her credit report. NRS fails to abide by this rule after being notified of a dispute. NRS failed to abide by the Fair Credit Reporting Act of 15 USC 1681 that states that after 120 - 180 days delinquent the charges has to be charged off. NRS has failed to update the credit report reflecting the pass 120 days charge offs. NRS is guilty of violating my rights under 18 US Code 242 - Deprivation of Rights under the color of law. NRS is violating my rights under the 8th Amendment of the US Constitution : NRS operating as collection agency is falsifying the status of the credit reports, by posting dates on the credit reports without showing the charge off status afforded on the FCRA. NRS is posting dates that are fraudulent to the facts of the records. This violates the 14th Amendment Rights To Equal Citizenship. When a debt collector purchases a debt from a creditor, that is a dept collector 's debt that I do not owe to the debt collector. When the US enforces one segment of individuals to pay a debt someone else purchased and fails to allow the same individual or agency to pay the debts of which I purchase then you violates my 14th Amendment Right. The US has placed retribution of 7 to 10 years upon us with negative credit. As equal citizen you do not make those who murder pay others for their wrong doings, you make them pay the time. I am paying my time for those debt. I wish to be treated as other offenders who only pay for the offense itself. I do not owe Nationwide Recovery Service; I do not owe Professional Finance ; I do not owe XXXX and XXXX ; I do not owe XXXX XXXX XXXX. If they purchase the debt, it is their debt. I am doing 10 years. XXXX allow the collection companies to report late dates to extend the penalty time. This needs to stop. 
Nationwide Recovery Service is in violation of 15 US Code 1692e False and Misleading Representation. As of XXXX XXXX XXXX. As they noted on their credit reporting, date of first delinquency XX/XX/XXXX. This date fairly represents my relationship to this debt owed. Balanced as of XX/XX/XXXX, {$750.00} - this is a fair representation. Collection reported XX/XX/XXXX has nothing to do with my relationship with XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These excessive dates are used to extend the 7 year term. It needs to be removed. It is double jeopardy. There has been only one delinquency and that is XX/XX/XXXX. Assigned XX/XX/XXXX has nothing to do with my relationship with XXXX XXXX XXXXXXXX XXXX XXXX XXXX. It needs to be removed. Dates that XXXX XXXX XXXX set up with XXXX XXXX has nothing to do with my credit report. It falsifies the dates of my 7 year punishment.
Consumer complaint received 2024-03-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I received a settlement offer email from XACT regarding my past due loan. I began working with a financial advisor and he and I called XACT collections department back on XXXX XXXX to go over my loan settlement options. After over an hour we had reached an agreement of {$290.00} to paid monthly starting on XXXX XXXX. When I called XACT Collections back on XX/XX/XXXX to confirm things, get a copy of the payment arrangement and to see about changing the start date for my payment plan the representative told me there was nothing he could do because my loan had been sold to a 3rd party, something that was not disclosed to me or my financial advisor. I requested to speak with a manager and I was transferred to XXXX who I believe is a supervisor or manager. She told me that she could see where I called in and last spoke with them but that the agent who took all of my debit card information and set up that payment plan was not authorized to do so. I explained to her that her associate had me and my financial advisor on the phone for over an hour acting as if he was getting confirmation from managers regarding my loan settlement and provided me with false information. This has been a constant them with this company. Any time i try to make a good faith effort to pay this loan off, Im always met with an XACT representative that doesnt know what theyre talking or provides me with wrong or inaccurate information. They also, prior to XX/XX/XXXX were calling me non-stop on my cell phone and at my previous place of work more than 3 or 4 times a day and I had to ask them to stop calling me so much. This is causing a lot of stress and XXXX  for me and because they have placed this loan on my credit report not only have they ruined my financial stability but not they always have a very oh well type of attitude each time I call to speak with them and I do not feel comfortable making payments because I dont know who Im dealing with. I dont appreciate my credit being ruined and the company responsible doesnt feel the need or obligation to send communications to me regarding my debt, they just do what they want and move things around without notifying me.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any INACCURATE INFORMATION which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following INACCURATE INFORMATION deleted as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX.