davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background (WA)

On XXXX I faxed and emailed my request for Full File Disclosure per 15 USC 1681g ( a ) ( 1 ) and I haven't received a response. 

XX/XX/2023 Sent via XXXX XXXX XXXXXXXX ) XXXX and email XXXX ACCURATE Background, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at ACCURATE and any of ACCURATEs subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of ACCURATE and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy. 

I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at ACCURATE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from ACCURATE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ).

Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at ACCURATE and any of its subsidiaries used to adversely characterize me.

Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by ACCURATE and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from ACCURATE and any of its subsidiaries. I am NOT requesting a copy of my credit report. 

I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution. 

Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license for the purpose of verifying my identity and nothing more.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, while booking a flight on Delta Airlines on-line, I was offered a Delta Skymiles American Express credit card. 
The offer included {$400.00} credit on future purchases, no membership fee the first year, and {$99.00} in subsequent years. 
When I received the first statement, it showed that I owed for one purchase plus {$250.00} for a yearly fee. 
I called American Express customer service to inquire about the unexpected fee and I was told that the original offer was for a Gold card and not the Platinum card they sent me, which I did not request. 
Additionally, the {$400.00} credit was only good for future Delta bookings and not for other purchases. 
I immediately requested that my card be canceled and the yearly fee rescinded ( I did pay for that single purchase ). 
I have been receiving monthly statements to this day ( XX/XX/XXXX ) requesting payment for the {$250.00} fee plus {$5.00} in interest. 
I called customer service several times, including on XXXX and XX/XX/XXXX to request cancellation of the remaining balance, yet I keep getting statements showing I still owe for the membership fee plus an interest charge that keeps growing every month.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

There appears to be a resolution miscommunication between Consumer Financial Protection Bureau ( CFPB ) and Nationstar regarding my complaint ( case # XXXX ). In the email I received from CFPB today ( XXXX XXXX ), you indicate Nationstar has provided a partial response to the aforementioned complaint with steps taken so far to address my issue and I should hear from them within XXXX days. After viewing the response, Nationstar indicates they will respond within XXXX days from the date of the letter ( XXXX XXXX, XXXX ). The company 's response does not identify any steps taken as per your message when the path identified in your Auto-Response section is clicked. You are directed back to the 'Complaint List ' without any additional information. Nationstar has a designated time-frame in which to respond and make corrections to this problem as per CFPB regulations. Your email states within XXXX days and Nationstar states within XXXX days - which is it? Nationstar also sent a letter which arrived at my residence today ( XXXX XXXX ) and dated XXXX XXXX, XXXX indicating they would respond no later than XXXX XXXX, XXXX. I am terribly confused and wondering why there are so many mixed messages regarding resolution. Since there are mixed messages regarding the complaint, I would like to change the dates in my original submission indicated in the 'What happened ' section - XXXX XXXX should be XXXX. Also, in the 'Desired Resolution ' section, the XXXX and XXXX XXXX should be XXXX and XXXX XXXX. The mistake made was a typographical error.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC. (TX)

XX/XX/2020 - I called Optum Bank XXXX to request statements for my Health Savings Account by mail because I am unable to access their online system. Their website crashes my system when using XXXX or XXXX web browsers. Their site is the only one that has this effect. They informed me that there will be a {$1.00} fee for each statement mailed or emailed. They stated it is legal to charge this fee and I have no recourse. 

While it is not going to cause me undue financial harm to pay this fee, I find it disturbing that in order to see my transaction history I can not receive a free paper statement. I think about the people who do not currently have access to the internet that are being charged this fee. It likely has some true financial impact on them to have to pay for paper statements. I know this is not unique to Optum Bank as it occurs on my XXXX account as well and I'm disturbed that we allow financial institutions to take this unnecessary fee from customers.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NC)

In XXXX, My account was not made accessible to me, when the bank claimed that my signature looked different from that on my ID, thus, I let the account close in good standing by yielding my deposits in my account. 

Fast forward to XXXX, I went in person to the bank in order to re-establish my account with the bank. Upon arrival to appointment at the bank, I felt very much rushed in the process in the gathering of my information and then I was told that somebody would get to me by the end of the day in order talk about my account after she Sends my information down. 

At the end of the day the bank representative called me and told me that she had not received any notice about my account from whom ever shed sent my information to, and that she would call me the next day with an update. 

The next day came and I heard nothing from the bank at all. The next morning I went into the bank at open and was treated very rudely and was told immediately by the representative that said claimed to be working on my account told me almost immediately without taking me into a private area that they werent going to be able to open my account. 

I spoke with the bank manager as to why, she claimed that had trouble verifying me in their system even though I had all my legal documents with me for her to check. I have had two name changes for business/ entertainment reasons and the bank had been made aware of one of the changes. 

The bank made me feel as if I were a criminal for changing my name and for having lived in different cities. 

I am a business woman and not a criminal and its belief that the bank acted on personal feelings when dealing with the re- establishment of my account and were discriminatory as well when they told me to go back to the bank that I have a present active account and keep banking with them. 

I hope that you can help me with this issue because I feel like I have be discriminated against because of my personal beliefs.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As previously stated they have duplicate entries on my report that are fraud. They have a fraudulent account and have reported a company lvnv funding that bought the fraudulent debt on my report. They Transunion use unethical and illegal practices there is no wonder my information is on the dark web. Transunion has my personal information/data that has been compromised and I am starting to believe they are not an independent reporting agency. I have called XXXX XXXX and they say they never verified any information from Transunion. So why is it still on my report?
Consumer complaint received 2023-12-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper Mortgage Company Attn : Customer Service Subject : Urgent Matter Mortgage Payment Adjustment Dear Mr. Cooper Mortgage Company, I am writing to express my deep concern and frustration regarding recent changes to my mortgage agreement that have left me in an extremely challenging financial situation. 

I have been a customer of Mr. Cooper Mortgage Company for several years, and I have always valued the professionalism and service provided by your organization. Unfortunately, recent adjustments to my mortgage payments have put me in a difficult position that I never anticipated. 

The initial agreement we entered into for a 3.5 % refinance package, sent at the beginning of this tumultuous period, seemed to be a viable solution to my financial needs. Regrettably, I have observed that the terms of this agreement were not honored, and my mortgage payments have now increased to an unmanageable {$3900.00} per month at a 7.5 % interest rate. 

As a result of this significant financial burden, I find myself unable to cover essential expenses such as utilities, my car loan, insurance, and even basic necessities like food for myself and my dogs. I am currently on XXXX XXXXXXXX, receiving {$1300.00} a month, and my car loan alone amounts to {$1000.00} monthly. This situation is unsustainable, and I am struggling to comprehend how I am expected to maintain a reasonable standard of living under these circumstances. 

I understand that economic conditions can change, and adjustments may be necessary. However, the lack of proper guidance and information from your company 's representatives has compounded my difficulties. Given the severity of my financial predicament, I have filed for XXXX XXXX XXXX 

I am reaching out to you in the hope that we can find a solution to this matter before taking such drastic measures. I request a thorough review of my case, taking into consideration the initial terms of the 3.5 % refinance package that was proposed. I am willing to work collaboratively to find a payment plan that aligns with my financial capabilities and preserves my ability to meet essential living expenses. 

I appreciate your prompt attention to this matter and look forward to a constructive resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

My lawyer info is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX : XXXX XXXX F : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX Loan # XXXX
Consumer complaint received 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

On XX/XX/2024. I met with my ex-wife to pick up my kids. We agreed to meet at PNC Bank on XXXX XXXX XXXX, XXXX, MD XXXX to handle the funds on a check issued from XXXX XXXX XXXX. The check was issued by XXXX XXXX XXXX for me, the primary vehicle owner & my ex-wife the secondary vehicle owner for {$10000.00}. The representative asked to look over my license, which I didn't understand why she needed to, & she said were good to go. Before driving away from the premises, I went back in to ask why did she only need to review my license. She mentioned that it was for the check that I signed. I told her, maam, I never singed that check. My ex-wife forged my signature & ran off with the full {$10000.00} when there was supposed to be {$5200.00} for both parties. My name was on the check as the primary holder & my ex-wife name as the secondary. 


I am uploading the photo that I took of the check with the forged signature from my ex-wife, also, an image of my handwriting & my correct signature.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

I was notified via email that Citi credit card account has been compromised and a few unauthorized users were added to my account without my knowledge as a result multiple unauthorized charges were made. I called Citi fraud prevention and requested to open an investigation and to close my account. Citi refused to do it and issued another card that was hacked immediately. When I called the fraud department, my XXXX account that had my Citi card had unauthorized ppl added and they made multiple charges. I currently can't use my XXXX account because of the pending unauthorized charges that Citi never resolved. I called Citi and spoke to the fraud department more than 10 times with a request to close the hacked account and up to today, the account is still opened. Citi opened another account that was hacked immediately. I also received a card to my home address with someone else 's name that I did not recognize or authorize to use my card. When I kept requesting to close all my accounts with the Citi the answer is that they can't do it and I need to wait 3-5 business days. As a result, my XXXX, best buy, XXXX and XXXX accounts were hacked and unauthorized charges were made.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$160000.00}
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Please read attached documentation and evidence. 
Capital ONE has been overcharging both my # XXXX and # XXXX credit cards with false entry interest charges and false interest from moving my payments back and forth from both cards and placing fake line entry payments and 3 months later charging me interest.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

I am supposed to be in deferment because I am in XXXX XXXX They are charging me {$500.00} / month in loans but Im am literally enrolled in XXXX XXXXXXXX  and sent them the information that they wanted. They are unable to provide me a timeline of when i can be deferred, which is crazy. I should be deferred. I am in XXXX i did the process, followed the directions, they are not upholding their end. They had told me 3 day turn around, then it was 15 day turn around, now they dont know. This is the third submission on t for deferment. I should have to submit 1 time. XXXX XXXX submitted deferment in XXXX. I submit in XXXX and XXXX. Nelnet is not processing it and not pausing my payments. They also didnt put me on the SAVE program that I had signed up for in the time its taking them to process my deferment. They are performing illegalities.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

I submitted a complaint last XX/XX/XXXX and XX/XX/XXXX. The companies responded saying that they will conduct an investigation. Some of the fraudulent items got removed, some are still reporting on my credit report. I submitted a complaint again last XX/XX/XXXX and XXXX XXXX XXXX  but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not MINE.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC (WA)

Several things happened with this loan. 
First, the quote I was given by the loan agent was that my fees for the loan in total would be {$1700.00} a flat fee. I confirmed with the loan agent, XXXX and he guaranteed me that would be the fee. 
During the loan process the fee jumped up to {$3200.00}, which was double. I asked XXXX to correct the amount of fees back to what he quoted me and there was no real response other than this is what the fees are. 

Second issue was that I was profiled along the loan process. More documentation was needed for me to produce. Even on property I no longer owned and did not appear on my credit report for years, I was required to provide proof a sale that occurred several years prior to obtaining this loan. 

I was also asked to provide proof of funds in my XXXX and retirement investments. This was unnecessary and was overstepping their need to obtain more details into my finances. 

The loan was for {$150000.00} and was part of a sale for my XXXX exchange so the loan was not for the entire purchase price and what was required of me went beyond what was necessary because I was profiled, which is a form of discrimination.
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd. (OK)

A few weeks back, Harris & Harris , LTD called me about a debt to XXXX XXXX, one I thought I was already paying through another agency. I asked for time to sort it out. Then, a woman named XXXX XXXX with Harris & Harris contacted my husband yesterday. He was met with hostility when he asked for her to talk to me instead. She even threatened legal action. 

Today, XX/XX/23, I contacted the hospital to clarify. They confirmed that I was paying XXXX for one of their accounts and a different one was placed with Harris & Harris but that they would pull it back and allow XXXX to continue handling. 

After speaking to XXXX XXXXXXXX, I informed XXXX XXXX with Harris & Harris, but he said that they would not be taking the account back. He was extremely condescending, implying I couldn't pay the debt. I didn't appreciate it, so I responded out of character. However, I checked with XXXX XXXXXXXX, and they confirmed the company doesn't have the power to sue. The threat they made to my husband was completely false.