davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

On XX/XX/year> I received a suspicious email regarding my checking account with Credit Karma and so I checked the account and found there were 2 requests for deposits of {$500.00} from my connecting account into Credit Karma then 13 transactions with different names using XXXX XXXX  requesting the money. My last legitimate transaction was a direct deposit from my employer on XX/XX/year> for {$68.00}. Needless to say they took all the money. I immediately called Credit Karma and filed the dispute. They immediately froze my account they say to protect me from further fraud. Since then I changed the password and have been calling and waiting for a status and they will not give it to me nor will they replace the money that was stolen from me. When I call I get overseas employees who prevent me from getting to the people who should know how to assist me and refuse to give me any other numbers to departments for fraud or legal department. They continue to tell me that I need to wait for an email. I have provided my picture and license they had requested to prove my identity. They make it impossible for me to see my own accounts but allowed others to commit fraud and gave my money away. I do not know what recourse I have at this point and this created a burden on me. I need help.
Consumer complaint received 2019-01-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC. (VA)

The date my loan with Check into Cash Originated on XX/XX/XXXX for {$800.00}. The APR for this cash advance is 299.99 % I have paid this loan back and the interest. Check into Cash keeps on withdrawing money from my checking account. On their website it does not show the payments made just a balance of {$1300.00}. This company will call me at least 3 to 5 times a day and I have explained my situation of my financial hardship and I am willing to pay {$50.00}. I have had several of the representatives argue with me stating that an arrangement was not entered into their system, even though, I have made the payment of {$50.00} over the phone. Check into Cash had withdrawn money out of my account after I have asked them not to causing my checking account to be overdrawn. On XX/XX/XXXX, I spoke with a representative with Check into Cash who stated that although I paid over {$800.00} towards their loan, they have to make money too.
Consumer complaint received 2024-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

My homeowners insurance premium was due on XX/XX/year> in the amount of {$1100.00} which was to be paid from the escrow account. A check was issued on XX/XX/year> for this amount. I received a letter from the insurance company on XX/XX/year> stating the the insurance premium payment has not been received and cancellation was pending XX/XX/year>. I contacted Mr. Cooper on XX/XX/year> and explained the situation to them, and they assured me that a new check would be issued on the same day and overnighted to the insurance company. The new check was not issued on the same day, it was issued on XX/XX/year> and sent to an insurance company that I have never heard of. So, as of today, XX/XX/year>, the insurance has been cancelled due to non-payment. So now I am living with no insurance in Florida during hurricane season.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CT)

A credit card statement with a name, and purchases from a state I did not reside in during stated time period. They contacted me via phone & Mail after I requested they do not. I've filed a complaint about this, and they have provided false information regarding said complaint. Resorting to bullying tactics when I mentioned securing an attorney. Demanding their name. They are no better than a high school bully.
Consumer complaint received 2018-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

XX/XX/2013 my husband XXXX. A few months after his XXXX, I had an issue with my mortgage company because they started returning my checks to me that I sent in to make my mortgage payments. When I tried contacting the bank to find out what was wrong, they refused to speak to me because they said the mortgage was only in my husbands name. This was incorrect. When we refinanced, both myself and my husband were on the Deed and Mortgage, however, my husband was the only one on the Note. I had to go to surrogate court to get paperwork showing I was the testator of his estate and sent this along with his XXXX  certificate and a letter to Nationstar Mortgage ( n/k/a Mr. Cooper ). I had to resubmit this paperwork several times before someone at Nationstar finally spoke to me and let me know the problem was that my escrow account was short because the Town of XXXX had taken us off the star tax savings. I went to the Town and straightened out that problem, caught up with my payments and thought everything was okay. A few months later, Nationstar started returning my payments again and not speaking to me and forced me into foreclosure. I went to an attorney who tried to fix this problem. We went to court several times. I signed three different sets of modification loan closing settlement papers. During this process I was offered a loan modification which I agreed to ( even though they stated I owed about 20,000.00 MORE than what I actually owed at the time this all started ). I followed through with my obligations and made the payments on time. They would not accept the first closing package I signed because I crossed MY XXXX  HUSBAND 'S NAME OFF. How can a XXXX man sign? Then they started the same process over sending my payments back and forcing me in foreclosure. This is the situation I am in now FOR THE THIRD TIME! My attorney has given up and suggested I contact you. He can not get anywhere with this bank or their attorney. I NEED HELP AS SOON AS POSSIBLE! I have XXXX children and I am afraid of becoming homeless. I do not work because I am XXXX and we live on the XXXX benefits we receive from social security which barely covers the mortgage payment. I am desperate and need someone who can get this bank to do the right thing!!! I tried speaking with a mortgage counselor at XXXX here in XXXX and the same process as with my attorney happened there and they also gave up. Everyone just gives up. I don't know what to do!!!!
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/XXXX, I opened a checking account with Chase under a {$300.00} promotion. After making the first deposit, Chase closed my account on XX/XX/XXXX giving me no reason why the account was closed. I had to call customer service to reopen the account and no reason or documentation was provided. I have made several deposits since then and still have not received the bonus promised.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Charged me a {$28.00} late fee despite being on autopay I contacted them via their silly AI chatbot with no help I need the {$28.00} late fee removed from my Capital One Credit card from XX/XX/ XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (CA)

Sued by Discover/XXXX  XXXX XXXX Failed to appear. Default judgment granted XXXX. Both accounts with Discover were charged off in XXXX. Then a lien was placed on my property. 

I now have XXXX in zombie debt that shouldn't be owed ( charge-off ) and my home should not be at risk due to a lien. 

The case went to court while still under Covid restrictions. Not clear on notification. Should have been virtual appearance.
Consumer complaint received 2023-12-18
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. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Please help me... Back on XX/XX/ i obtained my credit report and noticed i had some inaccurate items being illegally reported on my credit report. I sent off dispute letters to the 3 credit bureaus asking them to do a thorough investigation and verify these items were mine. That responded a little over a month later saying after their investigation that the items very accurate. I sent off another letter XX/XX/ asking them to priovide me with what METHOD OF VERIFICATION did they use to obtain this information and verify that these items are mine. I ask them to provide me with the contracts with my signatures showing proof that these items were mine and that if they couldnt provide me with what method of verification, contracts and my written signatures, to please delete the inaccurate items that are being reported on my credit report.. 
To this day, XX/XX/ they have yet to not only reply to my request for what METHOD OF VERIFICATION they used to determine that these items are mine, but also have failed in the timely matter according to the FCRA to respond and provide me with the appropriate documents. Please check into this. They have made my life a living XXXX. I have been denied credit because of the inaccurate repoortings on my report.Because they have failed in the appropriate time frame to provide me with the METHOD OF VERIFICATION they used in their investigation and copies of my signatures and contracts, i recommend these items be deleted immediately. Thank you. XXXX XXXX
Consumer complaint received 2024-04-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (NY)

I disputed my student loan status as reported on my credit report by key bank because the debt was charged off in error. 
I never received a bill for the supposed original late payment ( of which there was only one ) and there should not have been a payment due because of in school deferment. I have communicated multiple times regarding this matter by phone and email and have received no response or resolution from the original creditor. I told the creditor multiple times that I would repay the loan in accordance with the original terms and to the original creditor upon their restoration of the loan terms and of all related reporting to all credit bureaus. I sent a message to key bank escalations and provided all related documentation including dates of school enrollment, loan billing dates, and deferment periods. I received no reply and the loan continues to be reported in charge of status. 

Again, I expected to have no bill as I was enrolled in school, I received no bill, I received no communication from key bank, and then I received in the mail a stack of letters stating that my account was being sent to collections. When I logged in to view my account online it showed a XXXX balance. I was told upon inquiring that the account had changed servicers. I only learned the account had been charged off when I received a call from debt collections. 

This error and the continued lack of resolution around it, lack of communication, and failure to respond to my inquiries and requests by of key bank and all its agents has been negligent and unacceptable. This has negatively impacted the credit of my cosigner and myself. Copies of my written communications- which went unanswered- are attached.
Consumer complaint received 2023-12-10
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: NAVY FEDERAL CREDIT UNION (GA)

I have made several attempts to resolve this blatant defamation and violation of the FCRA by reporting and continue to accuse me of being responsible for these accounts. 
I have made my final attempt to resolve this fraudulent account by mail in XX/XX/2023 and till this date has not been properly investigated and removed from my credit. 
I spoke with someone at XXXX XXXX 's security dept. in XX/XX/2023 whom indicated that I would be getting a call back with in 48hrs which hasn't happened yet. 

These accounts are fraudulent and reporting on my credit as accurate and I have filed a police report as well, there was a suspect by the name of XXXX XXXX whom defrauded me and was arrested and has already pled guilty and convicted. 

I sent via priority mail the minute order by the courts disposition along with the district attorney 's business card to verify the fraud and my claim. I also sent a copy of the police report by mail which should have properly relieved me from the debt due to identity theft all to which XXXX XXXX has failed to properly investigate. 

This is my final attempt to resolve this debt amicably prior to seeking legal damages for neglect and defamation. 
Attached to this complaint I will be resending the exact same documents that I previously submitted via priority mail and hope that it lands in the hands of someone competent enough to properly investigate this fraudulent charged off debt and have it removed, as I was instructed to do so by the Dept. of Banking and Finance State Bank Regulators and National Association of Attorney General 's office.
Consumer complaint received 2024-04-01
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. (CA)

As per the Fair Credit Reporting Act ( FCRA ) Section 622, child support payments are not considered debts subject to reporting on consumer credit reports.Upon reviewing my credit report, I noticed that child support payments are listed, which is inaccurate and misleading. These payments do not constitute traditional debt owed to a creditor, but rather an obligation to support my child. Therefore, their presence on my credit report is not in compliance with FCRA guidelines.I kindly request that Experian investigate this matter and promptly remove the child support payments from my credit report in accordance with FCRA Section 622.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I recived a offer from Discover to open a secured credit card. 
I accepted, gave {$2500.00} securty deposit. 
Account opened, then closed 2 days later. 
This has damaged my credit reputation.
Consumer complaint received 2023-11-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (VA)

I was in the Obama relief program for over 3 years and my loans was deferred. An payments was made on them up until XXXX of this years. this is my second time report the information to FTC. when I report them it was fixed but a 3rd party credit bureau has been falsely reporting information on my credit report after I have been a victim of Identity theft. information was faxed over to their office. plus I got a post card from life lock saying my information has been sold to the deep dark web. since I'm no longer with life lock I'm unable to obtain my post card they had on my profile. I never went to collage in the state of New York the name that I had on my credit report from a 3rd party credit bureau that a leasing agent use to verified customer credit report stated that I had to reach out to the XXXX XXXX  that I never been to before.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (AZ)

With the new IDR forgiveness program, I received a letter that my loans should have ended in XXXX, since with the program after 20 years of paying the remaining balance is forgiven. I am due a large refund check, over XXXX XXXX but nobody can tell me when I will receive that. I have been tossed back and forth from my loan servicer to the US Department of education multiple times, let alone how long Ive had to wait on hold each time, with no resolution. No one has an answer. Aside from that, the US Department of education should have to pay us interest on the refund amount. My loan payments shouldve ended back in XXXX and here we are in XXXX, thats seven years that my money was held. Why shouldnt they pay interest? If it was the other way around, I would have to pay them interest on the balance, so how is this any different? This is unfair to people who signed up for this program and have been deceived all these years where weve struggled to make payments and come to find out now that 7 yrs ago my balances should have been erased. Just getting our money back isnt good enough, its not right! We should be paid back interest at the very least!!
Consumer complaint received 2023-12-12
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. (TX)

During the summer, I finished my term with XXXX XXXX XXXXXXXX and requested a student loan payment of {$360.00} on my XXXX account, the remainder of what I had left to owe for my student loans. The payment was scheduled on the XXXX website for XX/XX/XXXX of this year. I got a notification regarding repayment in late XXXX and sent an email to XXXX XXXX on XX/XX/XXXX about the problem since the amount hadn't reflected on my account. I got a response on XX/XX/XXXX from them saying that the payment was now posted to my account, which is now reflected on their website, but I just checked my credit reports from all three of the major credit bureaus today, XX/XX/XXXX, and they all still reflect the loan saying that I have a balance of {$360.00} despite it being paid off. I had filed a dispute with the companies at least two months ago, but Experian concluded on XX/XX/XXXX from my dispute that the balance was still there despite XXXX XXXX saying it was paid, and I had sent a message to XXXX XXXX about reporting my full payment to the credit bureaus, which has yet to be resolved.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is sending me alerts incorrect alerts in regards to credit profile and my so called free service XXXX XXXX  it upsets me that the information there providing and stating is incorrect NOT MATCHING THE THREE BHUREU 'S causing me to questionINFORMATION I believe Capital One is deliberately providing this information with following marketing adds asking me too purchase crediting monitoring products XXXX XXXX Is Over Reporting And # XXXX company damaging my credit WITH NO FORGIVENESS ( IMPACTED BY COVID ) Capital ONE they are stealthy to report late payments not once but twice to keep me in bed with them and offering me extended credit and reporting/diminishing my credit worthiness I HAVE PAID OFF ALL CARDS AS I WILL ONLY USE THEM AND MY CARD IN A EMERGENCY last time I closed 2 accounts it made my score way down I will leave one account open to prevent this in the future
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

Filed dispute for ATM error for non-dispense on XX/XX/ for {$320.00}. Was told if investigation took too long I would receive temporary credit on XXXX  Contacted merchant on XX/XX/ and merchant confirmed that ATM error did in fact occur. XX/XX/ XXXX Chime contacts me via email and says their investigation determined no error occurred. I'm writing this to inform that Chime ran a fake investigation into my dispute and denied my legitimate claim on the very last day at the last minute. Chime is causing me financial hardship and refuse to give me my due compensation.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (ME)

We have an automated.ACH transfer from XXXX XXXX XXXX to Key Bank for 4 years they have lost XX/XX/23 's payment ... XXXX assures it went thru and processed right and Key Bank denies it yet our checking account has had the money taken for the payment of {$680.00}. We have gotten the run around from Key Bank for 2 business days.. Both banks have made us do the toe to toe fighting. MEANWHILE I feel they lost, stole, miss handled or embezzled our money..
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage paid my property taxes two months late due to an initial incorrect property tax payment and then preceded to charge me for their mistake by adding an additional $ XXXX. to my Escrow Acct. They took two months to correct the XXXX. problem of the incorrect property tax payment, and after 6 weeks of numerous calls, e-mails, faxes, and letters they are still increasing my Escrow Acct. The person that I talked to acknowledged the mistake but had to send it to a committee and would call me back in 7 days. She never called back. Nationstar never calls back when promised. I will attach most of my correspondence. THANK YOU FOR YOUR HELP
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (FL)

I went to an authorized atm to make a withdrawal. The atm had a glitch and dispensed the incorrect amount. I originally requested {$400.00} but only XXXX was dispensed and they took {$360.00} from my account even though the atm only gave me XXXX. I disputed this with my bank and they are stating no mishap occurred when it did.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX