davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I made my regular payment to my XXXX Mortgage Lender Nationstar on XXXX XXXX, XXXX, in the amount of {$690.00} ( Regular monthly due ) + {$9.00} ( Transaction Fee ) + {$100.00} extra towards additional principal. Instead of posting my {$100.00} towards towards Principal, Nationstar posted {$100.00} towards some type of fee. They are stealing my money. They already stole over {$500.00} in the past in the name of interest that was not part of my payment agreement that I made with Nastionstar XX/XX/XXXX. I do n't know where and how to fight back against Nationstar stealing my money and others. Please feel free to contact me any time at XXXX. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Found multiple inaccuracies on my credit report. 


XXXX XXXX  XXXX Account XXXX XXXX XXXX Date- XX/XX/2020 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.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bonneville Billing and Collections (UT)

XXXX XXXX I noticed that I had and account on my credit report with Bonneville collections for XXXX XXXX in the amount of {$610.00}. so I called to make an arrangement of XXXX a week for 5 weeks to take care of it, the representative Hung up on me. I called back to make the same arrangement even though I was so irritated that I had just been hung up on. The second representative that I spoke with was more polite, and we set up the arrangement. We had ended the call and I realized I had n't given them my information to debit my account, so I called back. This experience was the worst, the representative verbally harassed me, belittled me and when I asked to speak to a supervisor, she refused, I told her that she was in violation of the FDCPA as she did not verify at all that I was the customer, and she was harassing me ( which I am familiar with, I do work in XXXX myself ) her exact words were " Oops, I recognized your voice I did n't need to verify that It was you '' I told her it did n't matter if she recognized my voice or not and that I wanted to speak to a manager and she responded by saying " Like I just said, you wont be talking to a supervisor right now '' I asked her if these calls were recorded, she said yes, and I said I would like to be placed on hold to speak to a manager. She transferred me to a manager immediately.
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I called back Wednesday to ask what they were going to do about the incident, they apologized and said that steps were being taken inside the company.
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I got a call from them Thursday expecting me to pay the same arrangement that I originally agreed upon before I was harassed. And I explained that I would n't pay that, I offered a settlement of {$230.00} and she asked what the reason was so they could submit that to the client and the client will either accept, deny, or counteroffer. I told her that the reason was because her company harassed me, broke the FDCPA guidelines, and verbally assaulted me, so that 's what she can tell the client. She responded that she would n't submit that, and that they can take off XXXX of the interest her company charged to the account. I told her that was n't good enough, she told me she would submit the offer to the client and that 's what I expected her to do. She said she was going to transfer me to a supervisors voicemail and she would get back to me. I left my name and phone number and I never got a call back.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2015-06-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

I have been banking with SunTrust Bank, XXXX. They run all credit and deposits at the end of the business day. When they run debts, they start with the highest and go to the lowest. They do this in order to extract extra overdraft fees and not deny payments when your account is overdrawn. 

I recently had a situation whereby I had approximately {$450.00} in my account and a deposit of {$360.00} giving me a credit of {$820.00}. I had several withdrawals on XXXX/XXXX/2015 listed below : {$7.00} {$23.00} {$29.00} {$46.00} {$85.00} {$280.00} $ XXXX $ XXXXHowever, I made the {$280.00} withdraw late in the day and was not denied use of my bank card, so I thought I had enough funds to cover. But I accept that I was overdrawn. However, Suntrust 's computer withdraws from my account taking out the highest debt XXXX and in order to charge more bank fees. Because of this practice, I was charged {$38.00} on XXXX checks for a total of {$150.00}. Whereas if they started with the lowest debt amount, which is how it shows up on both my statement and online, I would have only been charged XXXX late fee of {$38.00}. 

The following day, I deposited {$200.00}, but due to the extra {$110.00} in fees, I incurred an additional {$38.00} late fee. 

While I am willing to accept responsibility for overdrafting my account, I find it fundamentally unfair that SunTurst, XXXX uses a method to extract the most fees possible and it continues to allow a customer to access funds when they are overdrawn. Had I been denied when made the {$280.00} payment with my debit card, I would have known that I did not have the funds to cover the charge and I would not have made it or I would have checked my account to find out why I did not have the funds. 

I honestly am not upset about being charged a fee when I overdraw my account. That is fair. But their calculation methods as well as their allowing me continued access to funds when they are not available without warning is not fair and I feel cheated.
Consumer complaint received 2023-05-25
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. (NY)

After years of having a credit score around 800 and not applying for new cards or loans I suddenly saw my credit score go down on TransUnion and XXXX as a result of inquiries and accounts they listed that I never requested and have no knowledge of. All three credit bureaus have fraudulent accounts and inquiries listed, as well as incorrect addresses. I've subsequently found out through the XXXX Date Breach Settlement website that my information was impacted by the XXXX data breach of XX/XX/XXXX, which I believe is the source of the identity theft and fraud that I have experienced these past few years. 

XXXX As of XX/XX/XXXX XXXX has an inquiry listed as XXXX XXXX XXXX XXXX from XX/XX/XXXX that I never applied for and a collection for {$1500.00} from XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX with whom I have never had any dealings. 

XXXX XXXXXXXX has the same fraudulent XXXX XXXX XXXX as well as a fraudulent XXXXXXXX XXXX credit card account opened on XXXX XXXX XXXX with an {$8000.00} credit limit of which I have no knowledge. They also list an installment account for {$380.00} with XXXX, another company that I have not dealt with in 20 years, and nine different credit inquiries dating from XX/XX/XXXX to XX/XX/XXXX that are fraudulent as I have not applied for any credit cards or loans during that period. 

TransUnion- TransUnion has a different XXXX account listed that was opened fraudulently on XXXX XXXX XXXX as well as an inquiry by a company called XXXX XXXX for credit for which I never applied. 

I have spent a great deal of time trying to contact these companies, who all seem to make it difficult or impossible to actually speak with someone who can correct these issues. XXXX company did an " investigation '' and determined that their information on the fraudulent account was correct ; they never spoke with me, apparently they only spoke with the thieves who opened the account. I am in the process of getting a police report as required by XXXX to look into their fraud, and that has been another time consuming, red-tape filled endeavor. On the whole these companies seem to make it easy for crooks to steal identities and open accounts and very hard for consumers to clean up the mess that they create.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am a Chase Bank XXXX XXXX living to XXXX XXXX, XXXX. Starting from XX/XX/XXXX to XX/XX/XXXX, I was scammed and lost approx {$280000.00} from my Chase checking, saving, and brokerage account. I received a XXXX email asking me to contact them. Scammers claimed my Chase saving account was compromised and forwarded my call to Chase Fraud department who claimed to help me in the back end. They asked me to go to various Chase branches to withdraw cash ( 11 transactions ) and to make one account to account transfer. The cash was deposited into several local XXXX machines. There was a single account to account transfer of {$80000.00} that I was made on XX/XX/XXXX at Chase XXXX CA branch. The recipient account was a valid Chase business account. I was instructed to make that transfer from my Chase saving account. On XXXX, XX/XX/XXXX, I realized I was scammed and reported to Chase branch in XXXX, and XXXX XXXX XXXX Police ( Case XXXX ) and notified Chase. As of XX/XX/XXXX, Chase Fraud department called me once and said their final decision was it was NOT a fraud, therefore, they would not take actions to help me get the {$80000.00} back. Even though Chase knows this business account was now involved/used for scam activities, they were not offering help or assisting police to help me. I also reported to Chase that during the 12 withdraws I made at branches, many times I was speaking to the scammers on the phone, or was instructed to make multiple withdraws in a short period of time and repeated withdraws in the same visit, but not a single cashier asked me or inquired more about my unusual behaviors, which was a major violation and sign of Chase 's failure to protect their customers like me.
Consumer complaint received 2023-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2022, an invoice was submitted to my consumer PayPal account in the amount of {$610.00} from someone named XXXX XXXX in reference to " XXXX XXXX ''. I do not know anyone named XXXX XXXX and I certainly did not engage in any transaction related to " XXXX XXXX ''. Upon receiving an email from PayPal today that if I did not take action, the transaction would be approved for withdrawal, I logged into my PayPal account, clicked on the invoice for details, and received an error message. I can not inspect the invoice. 

So, I attempted to report the transaction as unauthorized using the PayPal Resolution Center, but when I walk through the steps, I receive this error message : " Were sorry, you cant file a case on this type of transaction. Please refer to our User Agreement for more details. '' When I referred to the User Agreement, it told me to contact customer support by calling ( XXXX ) XXXX - which I did- but their message system does not enable human contact. I can not report the transaction as unauthorized. So, I tried to report it using their online chat system, but this proved to be a robo-chat system that likewise refuses communication with a human customer service representative. 

I tried to remove all three methods of payment on file with PayPal, but PayPal refuses to permit me to remove the one with the pending unauthorized transaction. I sent two emails to PayPal, one to XXXX and another to XXXX. I've receive auto-replies, but not customer support. The auto-reply notifies me to contact my bank if I think there is an unauthorized transaction. Consequently, I did contact BOA and altogether cancelled the card for which the fraudulent transaction is pending. However, it's likely the charge will be passed along to the new card that will be issued. 

I am a XXXX XXXX and I actually specialize in representing fintech companies. The lack of meaningful customer service completely plagues money transmitter companies resulting in rampant fraud that money transmitters pass on to banks, and this results in higher banking costs to the banks and to consumers. If PayPal is doing this to me, then they are doing it to tens of thousands of consumers. This behavior is prohibited by the GLBA and, per regulation P, is the responsibility of the CFPB to address - and it can do so via the enforcement of the GLBA safeguards rule that requires an adequate written information security program that addresses this deficiency. I want to see PayPal held personally financially liable for ripping off consumers by refusing adequate customer service and means to address fraud on consumer accounts, and I want to see them be forced to implement changes recently enforced on XXXX and other money transmitters in the crypto-industry. Those changes helped, and there's no reason why PayPal shouldn't be held to the same standards. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX5 USC 1681. XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX5 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 2018-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CT)

On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of a dent they claim I owe. XXXX XXXX did not send me verification of the debt that they were attempting to collect in their response letter. However, on XX/XX/XXXX I received an alert on my XXXX  report stating that my address has been updated to a CA address. Upon further investigation it was found that XXXX XXXX had made the update to my file. I have never lived in CA, nor do I plan to move there. If I had not caught this error, XXXX XXXX would have been able to claim that they were sending me correspondence to this address and I just didn't respond, which in turn could have resulted in my owing the debt by default I suppose. Therefore, I'm positive that their adding this address was a violation of the fair credit reporting act.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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 166b Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (TX)

In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

In XXXX I went on the Student Aid website and submitted an application for SAVE, Im currently on XXXX. My husband lost his job and our household size of XXXX did not change. It was apparently up to Mohela whether or not the application would be approved, which is super backwards to begin with. Anyway, Mohela denied my application stating my current payment is lower than what SAVE would be. Ive asked no less than five times to tell me what they calculate to be my SAVE payment because I deserve to understand how it is higher and every time, Ive been deflected or not given the actual answer. This has to stop with Mohela. They are mismanaging funds and student loan holders are paying the price.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This Company is reporting late payments on my account. 
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-04-05
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: MARINER FINANCE, LLC (NC)

There is a loan on my credit for an account that I do n't own. I have asked the company several times over the past 5-6 months to remove it from my credit and they have n't. I 've sent in several documents including a police report I filed stating and proving this account is n't mine. This should be illegal for them to do this to my credit.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I applied for a kohl 's credit card back in XX/XX/XXXX. My information was entered correctly when applying ( I use a form filling application that enters my personal information on websites ). But I was declined for the credit card because my " social security number was incorrect ''. It still resulted in a hard pull on my credit report, which I called capital one and XXXX to try to correct, and capital one stated that they would get it removed from my credit report, which I also received a letter about. This has still not been removed from my XXXX credit report as ofXX/XX/2018.